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If you are collecting social security benefits and your spouse is eligible for spousal benefits at age 62. However, if she start collecting social security benefits before her full retirement age (65 in her case), her own but also but also the spousal benefits will be permanently reduced. She can only collect one benefit but she cannot put the other one on hold and receive full benefits in future. That's the penalty for applying for social security benefits before full retirement age.
Assuming she was born in 1952 and start collecting spousal benefits in December 2015, her own benefits will be permanently reduced 17% and if she applies for the spousal benefits, she will receive about 39% of yours.
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