Thank you Gail1.  My wie wanted to begin her retirement income now and I will be retiring later this year. So it looks like she will only collect her retirement for now, then when I retire she may be able to get an increase based on my benefit.

My wife and I are trying to make a decision when applying for her SS benefits.  Here is the situation:- She was born January 1953 (66), she is at FRA, her benefit is $1085- I was born in February 1956 (63), My FRA is 66 and 4 months, my benefit at 63...