My client is 70 and has started taking benefits on his record. His wife is 62 now and working. When I run the report for first few years she hardly gets any benefits base on her husband’s record. Does income adjustment also apply to spousal benefits?

My client and his spouse were born in 1950 and 1953 respectively. When I run the Maximizer, I wonder why wife’s benefits are less than half the husband’s benefits?