I am wondering, I am a disabled surviving widow of a deceased worker (he became disabled due to cancer). I was married to him 13 years. We have 2 children, both with intellectual disabilities whom are disabled adult children and collecting DAC benefits. Is it in my best interest to file for widowers benefit at age 50 ( I am 48 now) or to file now based on my caring for the disabled adult children of my deceased ex-husband? Carol
It would probably be better to draw benefits on the basis of having a child in care, which are called mother's benefits. Mother's benefits are paid at a rate of 75% of the deceased worker's primary insurance amount (PIA), whereas disabled widow's benefits are paid at a rate of 71.5% of the worker's PIA. The answer may be different, however, if you are entitled to disability benefits on your own record. Also, if you have 2 children already drawing survivor benefits, the family maximum will almost certainly reduce the rates payable to you and your children when you become entitled to benefits (https://www.ssa.gov/OACT/COLA/familymax.html).
The maximization software available on this website is programmed to handle calculations like those involved with your family, so you may want to use it to explore your filing options.