Social Security Questions? Ask a Social Security Expert
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Normally the spouse can draw a 50% spousal benefit and receive the higher of their own retirement benefit and that spousal benefit. Unfortunately for your wife, since she took early retirement at age 62, the spousal benefit is reduced by early retirement from 50% to 32.5%. When one elects to take their own retirement benefit, they are deemed to elect to take both benefits. Since the benefit is reduced by early retirement, she would only receive around $585 for the spousal benefit from you and it would be lower than what she currently is receiving so she would still receive her own retirement amount.
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