https://www.ssa.gov/OACT/quickcalc/spouse.htmlOkay, found this. So I guess you have to first apply for benefits before your wife can get a portion of yours. She can receive it as early as 62, but it will only be 32%, as opposed to 50% at 67.

It's my understanding that she can collect her own SS benefit at 62, then switch to collecting 50% of yours at the full retirement age (67), regardless of when you start receiving benefits. I know I read that somewhere, but you're right, it's hard to...