Dear Rusty: I am 65 and still working and plan to work for some time to come. My birthdate is February 1955. My wife is 64 and not working. Her birthdate is January 1956. Half of my benefit is more than half of hers. I am confused on the spousal benefit rules. If she were to take her Social Security early before she reaches her full retirement age, what are the rules that affect her? Signed: Confused Husband