I'm too young to take advantage of file and suspend as well. But there is something I can't seem to get an answer, perhaps someone can help on this forum. My wife was 62 this past year and has stopped working and we are trying to decide if she should apply and start benefits based on her earnings. Then when I retire several years from now she would be eligible for my spouse benefit and get bumped up to 50% of my PIA. Obviously, if she commences her benefit early there would be a reduction, let say 25% for sake of argument. But when I retire, she will be past 66 so the question is this, will the spouse supplement also be subject to an early retirement reduction even though that portion (spouse supplement) was not received early? The Q&A's on SSA.gov seem to say that.
Her PIA = $1000, Benefit at 62 = 75% times $1000 = $750
My PIA = $3000, Spouse benefit = 50% times $3000 = $1500, Spouse supplement = $1500 - $1000 = $500
When I retire she will be over 66. So will her spouse benefit when I retire be $1250 ($750 + $500) or will the $500 also be reduced because she commenced her benefit based on her earnings early?