Join Early Retirement Today
Thread Tools Search this Thread Display Modes
One more SS question
Old 07-26-2009, 06:30 AM   #1
Recycles dryer sheets
Join Date: Mar 2006
Posts: 81
One more SS question

I have plowed through the information here and at the SS website. There is one issue on which I need clarification.

If a person takes their SS benefit early - I understand it will be permanently reduced. I have the reduction chart.

If my husband dies....and I wait until my full retirement age (only taking MY reduced benefit until that time), will I then be eligible for his SS without reduction?

Example: I take my reduced benefit at 63.

My husband dies at 66............(Now I am also 66). Will my widow's benefit be his full benefit at 66 ....or will it be based on a reduced amount because I took my own benefit early?

molly is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 07-26-2009, 07:02 AM   #2
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
REWahoo's Avatar
Join Date: Jun 2002
Location: Texas Hill Country
Posts: 39,206
According to this (fourth question), "if you are full retirement age or more when widow benefits begin, your monthly benefit as a widow would be the full amount your husband would receive if still alive."

Q. I made a mistake when applying for SS 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 benefits? Will Social Security allow me to switch to my husband full benefits or only to 80% of his full benefits?

A. A wife 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 when 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.
Numbers is hard.

Retired in 2005 at age 58, no pension

REWahoo is offline   Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


All times are GMT -6. The time now is 02:31 AM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2016, vBulletin Solutions, Inc.