<< She doesn't need to do anything. The SSA does all the figuring and automatically sets her benefit to whichever gets the most for her. >>

You're a fountain of bad information. {{ LOL }}

<< Social Security deemed filing means that when you apply for either your own retirement benefit or a spousal benefit, the Social Security Administration automatically treats you as filing for both at the same time. [1] (https://www.ssa.gov/benefits/retirement/planner/cl...), [2] (kiplinger.com - Can both spouses collect social security benefits)How the Rule WorksNo cherry-picking: You cannot choose to collect only a spousal benefit while letting your own retirement benefit grow, or vice versa.Higher amount only: You receive an amount equal to the higher of the two benefits, not a combination of both.The "Restricted Application" closure: An older strategy allowed people to file a restricted application at full retirement age for just spousal benefits. This loophole is completely closed for anyone born on or after January 2, 1954. [1] (https://www.ssa.gov/faqs/en/questions/KA-01202.htm...), [2] (aarp.org - Spousal benefits until), [3] (aarp.org - Switch my benefit to spousal), [4] (key.com - Smart social security strategies married couples), [5] (kiplinger.com - Can both spouses collect social security benefits), [6] (https://www.ssa.gov/benefits/retirement/planner/cl...) >>

So if the lower earning spouse will collect more than 50% of the higher income spouse's check at 70, she'd be better off waiting until age 70 to collect.

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