12-28-2020, 08:03 AM
I am trying to figure out if my wife takes early social security distribution at 62 will affect her taking spousal social security later on when I am ready to retire. My wife is a few years older than me and earns a lot less than me. I still have 8 more years before I get to full retirement age. My wife can start taking early social security distribution next year. I know if she takes early social security distribution, her benefit will be reduced by 30%. Will that affect her ability to draw spousal distribution 8 years later? Will she be able to still get 50% of spousal based on mine? Or will her spousal benefit be reduced when she switches to spousal benefit later?