Dear Rusty: From what I’ve researched, the formula for spousal benefits seems very complicated. I read somewhere that it was a good idea to start the lower earning spouse’s benefit at age 62 and have the higher earning spouse file at full retirement age, for the spouse to get maximum benefit.
But that information does not seem correct from other things I’ve read. Please help me clear this up. My wife’s birth year is 1956 and she now gets $656/month in Social Security benefits after claiming at 62. I have not claimed my benefits yet and Social Security’s estimator says I qualify for about $2,850/month when I reach full retirement age. My birth year was 1957.