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Experts at Maximize My Social Security have answered more than 10,000 questions about Social Security over many years. Search for your questions and answers here.
If My Wife Starts Her Benefits Two Years Early And I Die, Will She Get Full Survivor Benefits?
II CLAIM AT 70 AND MY WIFE CLAIMS 2 YEARS EARLY. IF I DIE WILL SHE GET FULL SURVIVOUR BENIFITS
Hi. If your wife is at least full retirement age (FRA) when she claims survivor benefits, she'd be eligible for the higher of a) your full benefit rate including your delayed retirement credits, or b) her own benefit rate. That would be true even if she starts drawing her own benefits and/or spousal benefits prior to her FRA.
It sounds like you and your wife may want to strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully analyze the options available to you in order to determine your best strategy for maximizing your benefits.
Best, Jerry
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March 13, 2021