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The family limit does not apply if both of you draw benefits on your own records.
The surviving/widows benefits equals to 100% of the amount the deceased spouse was collecting (or eligible for) at the time of his/her death as long as the surviving spouse wait until his/her full retirement age. If you die at 70, your spouse will receive 100% of benefits you will be entitled to at 70.
Your spouse cannot collect spousal benefits until you apply for your own. Which means, if she takes her benefits at 66 and you wait until 70, she will get $847 until you apply and than she can switch to spousal benefits - 50% of 2698, which would be $1349.
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Her spousal benefits would be 50% of your benefits you would be eligible at 66, half of $2698. Spousal benefits are not affected by delayed credit (additional credit you get between 66 and 70). And there is no cap on the combined benefits of two-earner couples.
Survivor benefits follow slightly different rules. When you die, your spouse will be eligible for 100% of your benefits you were receiving at the time of your death, including the delayed credits.
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