engineernerd
Recycles dryer sheets
The survivor benefit increases if you claim later than FRA (unlike the spousal benefit).I think you're missing my point. If you spouse is already 70 you should have already started her taking her spousal benefit based off your FRA of 67 even though you are not 67 she could have started taking the maximum allowed amount of 50% of your FRA at her FRA which might even be 66 years and change. After she reached her FRA her benefit is the same as it does not increase. I did my calc. on my SS account which outlines that the max spousal benefit for me is at my FRA age of 67 and does not increase each year beyond that aside from colas.