What will happen to Sue's total benefit amount if she receives a spousal boost at FRA?

When Sue receives a spousal boost at her full retirement age (FRA), her total benefit amount will increase to the full Primary Insurance Amount (PIA). The PIA is the benefit amount that is payable at full retirement age based on an individual's earnings history. For individuals who are eligible for spousal benefits, the spousal boost allows them to receive a benefit that is equal to half of their spouse's PIA if it exceeds their own benefit.

In this scenario, since Sue is at her full retirement age, any spousal benefits she is eligible for would not be reduced due to early claiming penalties, and she would receive the full amount she qualifies for based on her spouse’s earnings. Therefore, her total benefit will increase to match that full PIA if it is higher than her original benefit. This reflects the spousal benefit designed to provide support to spouses who may have lower or no earnings history.