If I Wait Until Age 70 To File For My Benefits And I Die First, What Rate Will My Wife Receive?

Category: 
Oct 1 2017 - 7:57pm

if my wife starts collecting her personal social security amount at age 66(FRA) and i collect half of her monthly amount and delay taking my personal social security amount until i reach age 70 and then switch , if i die first, does my wife then get my larger age 70 monthly amount (,which is more than her monthly amount) or does it revert back to my age 66 amount?

Hi,

Your widow would receive your full age 70 rate based on the scenario postulated in your question. Of course she would not get both her own rate and yours, just the higher of the two rates. You may want to strongly consider using the maximization software available on this website to make sure that you and your wife choose the optimal filing strategy.

Best, Jerry