Everyon’s situation is different. So, there is no right or wrong. I waited until I was 70 (6 years ago) on purpose to get the maximum amount plus if I predecease my wife she gets half of my amount (not her’s which is much less today). My wife and my SSI Is slightly less than the average household income in our state. If I had taken it early (65). It would be one-half of my current amount.
“Everyon’s situation is different. So, there is no right or wrong. I waited until I was 70 (6 years ago) on purpose to get the maximum amount plus if I predecease my wife she gets half of my amount (not her’s which is much less today). My wife and my SSI Is slightly less than the average household income in our state. If I had taken it early (65). It would be one-half of my current amount.”
I may be misunderstanding you, but if not, I’m not sure the numbers you have are quite right...the real numbers might be better.
So, let’s say, for simplicity, you would get 1000/month, and your wife gets 200/month (which means zero for this case).
Then you both retire. You would get 1000, she would get 500, so 1500 total.
Then you die first. She now gets your amount, $1000, for life. That’s my understanding, at least.