Delay benefits to 75yrs

[Moneymatters]

It certainly won't be lost! The question is can she continue to defer it our would they start paying then and there.
https://money-bu-jpx.com/news/article021843/
I've not read the details but the headline is. No.
A surviving dependents pension can not be deferred. So it would need to be applied for and start to receive upon your demise. Whatever age above 65 that was.

Please ignore if you know this next part regarding the amount of your pension she'd be entitled to.
The answer is "it depends". The infographics (I'm using that term semi-seriously) included in these links provide information.

https://www.nikkei.com/article/DGXZZO66 ... 0C1000000/
https://www.sankei.com/life/news/150604 ... 16-n1.html

Basically your base 国民年金 appears to go away when you, er, go away.

厚生年金
- If she has no 厚生年金 of her own she''ll receive 3/4 of yours.

- If she has her own 厚生年金 AND it's lower than yours. She has a choice!
a) take 3/4 of your's.
b) take 1/2 of your's and 1/2 of her's.

- If she has a larger 厚生年金 than you then she'll received none of yours.

So. If she is entitled to part of your 厚生年金 based on the above rules, and if you deferred, it would be calculated at the higher rate applicable at the point of your untimely demise.

I hope someone far more fluent than me wants to take a peep and tell me where I'm wrong.

Deferring is something I'm considering for myself. Just a word to the wise. I'm not telling my wife in case I'm put on a strict cabbage and tofu diet to keep me around to the deadline. Sorry. poor word choice.