Dear Rusty: My wife is 66 (born February 1960) and started taking Social Security retirement benefits just over one year ago at age 65. She was a stay-at-home Mom for most of her adult life. I turned 62 this past March and received my first SS payment recently for a May 2026 start. We are scheduled to meet with SSA in late July to initiate spousal benefits because my wife’s current benefits are less than 50% of mine. We also have an adult disabled son who receives Supplemental Security Income (SSI) and Social Security benefits (this split in benefit sources happened after my wife filed that whole process was confusing and we don’t understand it). My question relates to spousal benefits (I was a career finance person but don’t completely understand these rules). We were going to file in July but is there any benefit to waiting until she turns 67? And will her 50% benefit be 50% of my lower benefit due to my filing at 62 or is that based on another amount? Signed: Confused Finance Guy Dear Confused: First, be aware that your wife’s spousal benefit will be based on her age when she claims it, and half of your full retirement age, or “FRA,” amount (although you claimed at 62, her benefit as your spouse will still be based on your FRA entitlement).