Ask Larry

When Can I Get My Own Benefits, And Would I Still Get My Deceased Husband's Benefits?

When I turn 60 my husband passed away in 2016 and social security told me I had to wait until I turned 60 to get his social security when then can I get mine and would I still get his

Hi. I'm sorry for your loss. Assuming that you aren't disabled, the earliest that you could qualify for widow's benefits is age 60, and the earliest that you could qualify for your own benefits is at age 62. You can't draw more than one full benefit simultaneously, though, so if you apply for both your own benefits and for widow's benefits you can only be paid the higher of the 2 benefit rates.

It sounds like your best filing strategy would be one of the following:
1) File for reduced widow's benefits at age 60 or as soon as your earnings will permit at least some benefits to be paid, then switch to your own record at age 70; or,
2) File for reduced retirement benefits on your own record at age 62 or as soon as your earnings will permit at least some benefits to be paid, then file for unreduced widow's benefits at full retirement age (FRA).

Normally, you would want to start out drawing the lower benefit first and then switch to the higher benefit when it reaches it's highest potential rate. Our software (https://maximizemysocialsecurity.com/purchase) could help sort all of this out for you so that you can determine the best strategy for maximizing your benefits.

Best, Jerry

Posted: 
Jul 6 2021 - 2:11pm
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