Originally Posted by Texas Proud
I do not think that her benefit could ever be higher than survivor...
In you example... $700 benefit... +$400 to get to $1100 which represents 50% of yours which is $2200...
It would take more than 15 years of growth for the $700 benefit to exceed $2200 growing at 8%... you cannot get 15 years of growth...
As mentioned, once you die she can keep getting her $700 or your $2200... seems like an easy choice to me...
i think the confusion on this is more a case of the reverse .
the confusion comes from the way they do things now .
now , it is always your own benefit and any spousal increases get added on to your own benefit . in fact when my wife filed for spousal they don't call it switching to a spousal benefit anymore .
they tell you they will be adding x-amount of dollars to your own benefit as a spousal adder .
so i can see where there is some confusion as to whether that whole benefit remains as your benefit which you can let grow by taking survivor first ,than switching to your own later . .
don't forget some widows take survivor until 70 and let their own ss benefit grow , then switch , so the question becomes is "their benefit the amount they were collecting including the spousal adder or does it revert back to their own base amount ?
it looks like all spousal dies when the person who's record is being used dies , including any additional spousal dollars that were added to your benefit .