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I am going to be 71 in June. I started getting my Social Security in June last year.
I can’t tell you definitely whether your wife should claim now or later – there is more information you need to analyze before making that decision. But I can give you a list of some considerations to make that may help you in deciding when it is best for her to claim. As spouses, you might want to compare both of your benefits and see if it makes sense for her to wait. At her full retirement age, or FRA, your spouse is entitled to her own benefit or one-half of your Primary Insurance Amount, which equates to whatever you were owed at your own FRA – she gets whichever is greatest. This option is only available if the spouse whose benefits are being used for calculations has already begun claiming, so in your case, this is a possibility.