Conflicting advice
I am the higher earner and also older spouse. I am older by 4 years. Our plan was to wait until I turn 70 to receive the maximum benefit. A year after that my spouse would reach her FRA of 67 and her benefit. She would collect 1/2 of my benefit with a GPO deduction. This is higher than her own benefit. All fairly staright forward.
Someone mentioned to me that she could start collecting now (she's 63) her reduced benefit and then switch to my higher spousal benefit when she reached her FRA at 67. Sounded like something we should look into. I called my local social security office and was told that was phased out a few years back. She would be stuck at the benefit when she first filed at 63.
Can anyone provide any insight.
Mike