Huston55
Thinks s/he gets paid by the post
According to my readings on the SSA website, I must be at or above FRA but DW can collect any time after age 62. She'll be 64 when I reach FRA age. She'll get 42% of my FRA benefit. If she waits until her FRA, she would get 50%.
She does have a trivial personal benefit. My limited understanding of the rules makes me think there is no point in her claiming this benefit.
That's also my understanding. However, the other shoe is...if your spouse takes the reduced spousal benefit (8% less) at age 64, then she will be stuck with that reduction when you (presumably) die first and she begins to collect your benefit.
That might be worth a cost/benefit calculation to determine if you and she prefer to wait until she's full retirement age.