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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 Something Happens To My Husband, Will I Be Able To Get His Amount Of SS In Place Of Mine?
I was born 1960 Ana wanted to collect my ss at 62 and my husband ss is way more than mines if he is on disability now if something happens to him will I be able to get his amount of ss in place of mines if I claim mines at 62
Hi. Yes, as long as you're at least full retirement age (FRA) when you start drawing widow's benefits. The surviving member of a couple is generally eligible for the higher of their own benefit rate or their deceased spouse's benefit rate, but if you claim widow's benefits prior to FRA your benefit rate will be reduced for age. Drawing your own benefits early wouldn't have any adverse effect on your widow's benefit options, though.
It sounds like you 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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May 28, 2021