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<< I have 30+ years above the fica limit. MrsC has 15.
If I understand correctly, it will advantage us the most if I delay to 70 and she takes at 62. >>
It depends on your wife's income. If she has 15 years of max-FICA earnings, it may well be more advantageous to claim SS on her own record. The 50% spousal benefit is more of a gift to low wage earners.
After about 17 years of max-FICA earnings you reach the 2nd bend point of the AIME calculation. There you get about 77% of the maximum monthly check, while paying only about half the FICA taxes.
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