Social Security Questions? Ask a Social Security Expert
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Obviously you will max out your beneifs for life by waiting to take SS at age 70.5. However, if you were to pass, at any age, your wife beginning at age 62 would be enttitled to receive your SS benefits for her lifetime. Note, the only exception to having to wait until age 62 is if she is disabled. In that case, she can take as early as age 60.