- How It Works
- ServicesServicesOverviewChoose the right level of support for your plan and needsExpert ReviewA comprehensive review of inputs and reports to get you on the right pathFiling AssistanceLet our experts deal with Social Security for youClawback AssistanceFor those who need help fighting a Social Security benefit clawback
.png)
- Why Choose Us
- ResourcesResourcesBooksFrom the world-renowned economist behind Maximize My Social SecurityWebinars & PodcastsExpert tips and guides to help you get the maximum from Maximize My Social SecurtyArticlesIn-depth commentary on Social Security from our founderAsk LarryThousands of questions answered by our Social Security expertsBlogSocial Security insights to help you maximize your lifetime benefitsFAQYour most pressing questions answered
- Pricing
Ask Larry
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.
WIll I Be Deemed To File For My Own Benefits If I File For Survivor Benefits At Age 63?
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
Category:
Posted:
October 4, 2017