Social Security Benefits

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Apr 10, 2009 9:54 am

Ok no arguments based on if SS will still be here....

 
I have a client who is younger than his wife(my only one).. I am looking into SS options for them.
 
I am confused about the spousal benefit when the wife(not main wage earner) is eligible before the husband..
 
Example: Wife at 62: $665/month  Wife at FRA:929 Wife at 70:$1198
 
Husband  62:$1608  FRA:$2242 70:$2852
 
So from my understanding the wife can take a spousal benefit of 50% of the husbands FRA.
 
However I am confused as to when that is possible... Can she take her benefit at age 62 then when he retires get the spousal benefit?