rescueme
Thinks s/he gets paid by the post
Correct.Since one can start collecting 1/2 spouse's FRA benefit when you reach your FRA, the increase in delaying beyond your FRA is greater than 8% annually till 70 by: (your FRA benefit/(your FRA benefit less 1/2 spouse's FRA benefit)) since you're account is growing fully while you collect something in the interim. Sweet.
However, just remember that your spouse will have to file before you can get the 50% spousal FRA benefit.
It's a good option for a lot of folks, but there are rules that must be followed.