Dear Rusty: I claimed Social Security at 70. My wife claimed her own SS at 62, and her earnings were significantly lower than mine. I understand my wife will be eligible to claim my benefit if I pass before she does, but will Social Security reduce that benefit because she didn’t wait until age 65 to claim hers?
By Russell Gloor, National Social Security Advisor at the AMAC Foundation,Signed: Concerned HusbandDear Concerned: Your wife's benefit as your surviving spouse will be based on two things: ·1. Her age when she claims her survivor benefit, 2. The amount you were receiving at your death.If she has reached her own Full Retirement Age (FRA) when she claims h...