If I'm receiving Survivor Benefits, can I Claim My Own Social Security Benefit?

If I'm receiving Survivor Benefits, can I Claim My Own Social Security Benefit? ...

Question

I am 63 and am receiving my husband's survivor benefit. Can I claim my Social Security benefits?

Answer:

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.

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