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I hope you will live long enough and enjoy your benefits.
Your spouse will receive survival spouse benefits equals to 100% of your benefits - that will NOT be affected by her receiving her own benefits before her FRA.
Survival benefits are managed differently.
However - she will need to choose which benefits to receive as she will not be able to have both benefits at the same time.
Let me know if any clarification needed.
Your benefits are based on PIA - primary insurance amount - which is calculated on your average earning
If you choose to delay your social security benefits - your benefits will be increased - up till age 70.
Your spouse may be eligible for spousal benefits - based on your working history - and that will be 50% of PIA - is she starts at her FRA.
Your spouse will NOT get any delay credits.
If she starts at age 64 - before her FRA - he spousal benefits will be reduced.
When you die - her survival benefits will be 100% of PIA - if she will be above her FRA at that time.
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