I am 63 and am receiving my husband's survivor benefit. Can I claim my Social Security benefits?
According to Chris Hardy, CFP, EA, ChFC, CLU, NTPI Fellow, she will be able to file for her own Social Security benefits at the age of 63, and she will receive the greater of the two (either her own or her survivor benefits).
According to Hardy, she may receive a higher benefit at her full retirement age (FRA) or later if the person postpones their own benefit until 70. However, if she receives a spousal benefit that is smaller than her own, she would not receive an increase.
Bob will answer questions you may have previously.
A reader is concerned that her highest earning years will not be included in her Social Security benefit calculation. Our expert clarifies how those earnings are calculated.
A Retirement Daily reader's question about Social Security's spousal benefits is answered by our expert.
A Retirement Daily reader's question about QCDs is answered by our expert.