If you wait until your full retirement age and your spouse has filed for their own Social Security benefits, you can apply for a spousal benefit, which equal to ½ your spouse’s benefit and allow your Social Security benefit to grow. The average growth is about 8% per year.
At age 70, you can apply to switch to your higher benefit. If your full retirement age is 67 and your spouse receives the average $1,230/mo benefit, that could mean an extra $22,000 for you. It’s like getting paid a bonus while delaying your benefit. Additionally, you can qualify for a spousal benefit on your ex-spouse’s benefits as long as you were married for at least 10 years and you haven’t remarried.