Thank you so much. You hit the nail on the head. I am past my FRA and she has yet to reach hers. Now I understand that when she reaches hers she'll hit the "deemed filing" status. It probably makes sense for her to just wait until her FRA and she sho...

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 ...