Can My Wife Wait To Apply For Spousal Benefits?
I’m confused about spousal benefits. My wife began receiving SS in Feb 2021 at age 62 1/2. I will begin my benefits in April at age 65 1/2. My wife received a letter to apply for spousal benefits. If she takes it does this still allow her to get more of my benefits if I die before her? I just don’t understand the theory behind spousal benefits? Are we able to wait until she’s say 64 to apply for spousal benefits? If she apply snow and the difference is not enough to matter does that application stay active u til it does matter?