Font Size
    • Share to Facebook
    • Twitter
    • Email
    • Print

I made a mistake when applying for Social Security benefits at 62 on my work record believing that I can switch to my husband higher benefits when he reaches 65.

I made a mistake when applying for Social Security benefits at 62 on my work record believing that I can switch to my husband higher benefits when he reaches 65. Little did I know that I would be stuck with a reduced benefits for life. My question is if my husband dies before me, am I still stuck with this reduced benefit? Will Social Security allow me to switch to my husband's full benefit or only to 80% of his full benefit?

A. A wife or widow receives whichever benefit is the greater amount: her own Social Security retirement benefit or a spouse benefit based on her husband's Social Security earnings record. Each benefit is reduced for months of early retirement. The reduction lasts only until you are widowed.

If you are full retirement age or more before widow benefits begin, your monthly benefit as a widow would be the full amount your husband would receive if still alive. Your early retirement on your own earnings record would no longer matter.



Subscribe e-Alerts

Sign up to receive National Committee updates on Social Security and Medicare.

Read Our Blog

New Online Resource Details Social Security’s Economic Impact in States and Counties Nationwide

Social Security’s economic contributions to communities, counties, and states continue to be misunderstood and often ignored in Washington’s fiscal debates. A new online report unveiled by the National Committee to Preserve Social Security and Medicare Foundation provides a detailed look at the significant economic impact generated by Social Security benefits.

Read More




 

         

 

Copyright © 2015 by NCPSSM
Login  |