Social Security Questions? Ask a Social Security Expert
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When you apply for your benefits your spouse will have a choice between her own OR spousal benefits. Spousal benefits are 50% of the spouse's (your) benefits IF she waits until her full retirement age to apply. If she applies for any type of social security benefits before her full retirement age, she will permanently reduce her own but also all benefits available to her in the future.
Here's spousal benefits calculator (percentage): https://www.ssa.gov/OACT/quickcalc/spouse.htm
She can apply for spousal benefit but if she applies before her full retirement age she will not get 50%, her spousal benefits will also be reduced.
She can apply at 64 for her own (also reduced) and when you apply for your own, she can switch to spousal, that will be about 41% of yours.
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