Survivors Benefits

If a survivor receives benefits as a widow/er (including divorced widow/ers), and is eligible for his or her own benefits, the survivor can switch to his or her own retirement benefit as early as age 62 – which is worthwhile doing when a person’s own rate exceeds the benefit receivable as a survivor. For example, a widow could take early retirement at age 62 under her deceased husband’s work history for a reduced benefit. Assuming she also qualifies for Social Security on her own work history, at age 65 she can apply for full retirement benefits under her own work history and realize an increased benefit instead of having to continue the discounted early retirement benefit.

The rules are complicated and vary depending on the survivor’s situation. Questions about the available options should be addressed to a Social Security representative. You can call: 800.772.1213.

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