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Can A Woman Collect Reduced Retirement Benefits And Still Get A Full Widow's Benefit Later?
if a woman is collecting early (therefore, reduced) social security payments and her spouse later dies, can she get 100% survivor benefits from her deceased spouse who collected at full retirement age?
Hi,
Yes, provided that the woman is at least full retirement age when she starts drawing the survivor benefits. What she would actually receive in that event is her own reduced rate, plus the difference between that amount and her deceased spouse's full rate. The total amount payable would add up to her deceased husband's full rate.
Best, Jerry
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August 4, 2017