Hi, @John Distler , thanks for the question! This is not a tax question though, but a Social Security question. But that being said, my understanding is yes. You may find this AARP article helpful.
Thanks!
Dear John,
Thank you for your question. Yes she can take early retirement option now and switch to spousal benefits later (when you start taking benefits) if that gives her more money. The decision about when to start taking retirement benefits requires careful planning and involves many factors. The following are key factors when applying for Social Security Spousal Benefits:
If you decide to begin collecting spousal benefits before your full retirement age, you can expect to receive a lower amount. The Social Security Administration office provides some calculators to guide your decision. Please click here SSA -Online Benefits Calculator
I hope this helps your decision.
Sincerely