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Originally Posted by SoReadyToRetire
Anyone have any experience with taking a spouse's benefits vs. waiting for their own? I'm hoping she can start getting what she's due under his benefits, then switch to her own at 62 if her benefit is higher than his.
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First of all, if she is a widow, she is not entitled to spousal benefits. Instead, she is entitled to survivor benefits.
Yes, she can start (reduced) survivor benefits at 60 and could switch over to her own (reduced) benefits at 62.
That may not be the optimal solution though, particularly while still working. If she can afford to do so, she may be better off waiting to collect her own full benefits at her FRA. Or perhaps even delaying until 70. She really needs to learn the amounts in order to make a sound decision.
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But also wondering if she can continue working full time at her job while she's taking his SS benefit.
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Certainly she can continue working full time. Social Security never requires that someone stop working in order to collect.
This might help her:
https://www.ssa.gov/planners/survivors/ifyou.html