She is already collecting SSDI which is her FRA amount. The reason it will impact my wife when I pass is my SS is considerably more so she will switch to mine. As far as I know, and I hope I am wrong, she will get the amount I received by starting at age 62 rather than a larger amount if I had waited.
I would be thrilled to learn that she can get my FRA amount at my passing if she is collecting hers at her FRA rate. I don't think that is the case.
Originally Posted by tb001
But canít she file on your SS? And if she does, isnít that based on your expected SS at FRA? I didnít think her filing on your SS was impacted in any way by when you file. Maybe Iím confused and misunderstanding your situation?