Originally Posted by bobbee25
Does the spouse have to be 62, and would she receive more of a surviving spouse amount by waiting until 65/66.
The spouse has to obtain the age of 60 in order to receive a benefit, based on the others record, or 50 if disabled.
In your case, if your spouse has reached FRA (Full Retirement Age) of 65/66, or somewhere in-between for whatever FRA age actually is, you will receive a benefit but it would be reduced if you yourself are not at your
If you wait till your FRA, you would be eligible to receive the full amount of what your FRA spouse would have received, on the day before their death. You are not getting "their" SS, but a credit that is added to your benefit to bring you up to the same amount they were receiving.
BTW, if they are waiting till age 70 to claim SS, your benefit would still be whatever rate they would have received on the day before their death, whatever it would have been, between FRA and age 70. I only point this out because it is our case. I'm waiting to claim SS at age 70 for the benefit of my DW. If I pass at age 68, she will receive an adjustment to equal the full amount I would have received if I claimed on that date - older than my FRA of age 66, but not as much as she would have gotten if I lived till age 70.
Should you wait? That's up to you. Just like an indivudial that is not married and not eligible for benefits based upon another, the longer you wait to collect, the larger amount you will get.
Here's a reference:
Social Security Online: Widows, Widowers & Other Survivors: Qualify and Apply