Social Security wasn't much help on the phone so I will try here. I am 67, waiting for 70 before applying for benefits.  My wife of four years is five years younger (62). I understand that half of my FRA amount would be higher than she would receive ...

As the title implies, I started receiving a survival benefit on my wife's record when I was 60 years old.  I am fairly clear that I can switch over to my own benefit any time after age 62.  I am currently 67 and plan to wait for age 70.  My question ...