Hello Larry,

The following is one of your strategies for claiming Society security when you have options to file under your own benefits or your survivor benefits. I have this question and just need to verify : What if I file at age 63 for survivor benefits, will I be deemed to file under my own record since my benefits is much higher than the survivor benefits.

"File for reduced widow's benefits at age 60 or as soon as your earnings will permit benefits to be paid, then switch to your own record at age 70"

Thanks

LT

Hi LT,

No, deeming doesn't apply to survivor benefits, so you are allowed to file just for survivor without being forced to file for your own retirement benefits regardless of which benefit rate is higher.

Best, Jerry