Dear Rusty: I will be 70 in August and will file my application for benefits in May. I know I’ll get my maximum possible amount at age 70, but I need you to clarify things I have read.

Per an award-winning TV host, author, and host of a money podcast “if the higher-earning spouse delays until age 70 to claim Social Security, that guarantees the survivor the biggest possible benefit.”  But then I read in a different article that if a person delays beyond their full retirement age to obtain a higher personal benefit (like I have), my spouse’s benefit would still be based on my FRA benefit amount. I am confused about which statement is the correct version. Signed: Confused About My Spouse’s Benefit

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