GailL1 (VSB) Thanks so much for that comprehensive response.  I have pretty much figured out everything except the following - "between age 62 and your full retirement age, the amount will be permanently reduced by a percentage based on the number of...

My wife started collecting her own SS at age 62.  I won't start until 70 at which time she'll be eligible for a spousal adjustment.  I believe, since she began collecting early, her spousal benefit will be less than 50% of my primary insurance amount...