Hi mister Larry . I have 3 questions:
1. If my wife gets early retirement benefits at age 62, and when I get Social Security benefits at age 70, will she be able to switch to my benefits? If yes, when I am will 70 yeas old, she will be 65 years old, can she wait to apply for half of my pension until she turns 67 to receive the maximum part of my pension?

2. My wife is going to receive Social Security Benefits at 62 and she will receive $ 700.
I will wait until age 70 to receive Social Security Benefits and I will receive $ 3,600. Can I apply for a portion of my wife's benefit before I receive my benefits and then swith to my benefits when I will have 70 yeas old.

3.My wife will receive Social Security benefits at age 62 and she will receive $ 700. If I die, will she be able to switch transfer to my benefits, my benefit is $ 2655?

Hi. No, your wife can't switch from her own benefits to spousal benefits, but she could file for an excess spousal benefit when you claim your benefits. Nor would your wife get half of your full rate if she takes her own benefits early, even if she later qualifies for an excess spousal benefit. If your wife was born after January 1 1954 and if she qualifies for an excess spousal benefit, she'd have to take the spousal benefit as soon as she's eligible even if her rate would be reduced for age. And if she starts her own benefits early, she'll be stuck with that reduction for as long as both of you are living.

For example, say Mary files for her Social Security retirement benefits at age 62. Mary's PIA is $800, but Mary's benefit rate is reduced for age to $563. Several years later Mary's husband applies for his benefits, and his PIA is $2000. Mary's unreduced excess spousal benefit would then be calculated by subtracting her PIA from 50% of her husband's PIA, which in Mary's case amounts to $200 (i.e. $2000/2 - $800). If Mary is at least full retirement age (FRA) when she becomes eligible for the spousal benefit, she would then be paid the unreduced excess spousal amount of $200 in addition to her own reduced rate of $563 to give her a combined rate of $763. But, if Mary becomes eligible for spousal benefits prior to FRA, her spousal rate would also be reduced for age.

The only way that you could file for spousal benefits without filing for your own benefits at the same time is if you were born prior to January 2 1954.

Regardless of when your wife starts drawing her own benefits, if you die before her and if she's at least full retirement age (FRA) when she claims survivor benefits she could be eligible for the higher of her own benefit rate or your benefit rate. In that case she'd continue to be paid her own benefit plus a partial widow's benefit equal to the difference in your rates, making her combined benefit amount equal to your higher benefit rate.

It sounds like you and your wife should strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully analyze the options available to you in order to determine your best strategy for maximizing your benefits.

Best, Jerry