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Stephanie O Joy, Esq
Stephanie O Joy, Esq, Soc. Sec. Attorney
Category: Social Security
Satisfied Customers: 13283
Experience:  19+ years legal exp. - 10+ years owning/operating her own SSD Law practice.
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I'm 62, was married years to a woman who is now deceased,

Customer Question

I'm 62, was married for ten years to a woman who is now deceased, though we were divorced before she died. I understand that I have access to her funds. If I waited until 66 to collect, would the monthly amount be larger, just as it would be for my own contributions?
Submitted: 1 year ago.
Category: Social Security
Expert:  Stephanie O Joy, Esq replied 1 year ago.

Yes, if you collect it now, it would be reduced for collecting it earlier than FRA (full retirement age). If you wait til your FRA, it can be 100% of her benefit amount. Keep in mind you collect one benefit, your own or a survivor based on her record. If your benefit it bigger than hers OR, would be at your FRA or at age 70 (with that additional increase), you will ultimately want yours. In that case, you may want to collect survivor in the interim even if early, since you will not collect it past 66-70. And you can collect it while letting your benefit grow.

Expert:  Stephanie O Joy, Esq replied 1 year ago.

I hope this helps! My goal is to provide you with excellent and accurate service – if you feel you have gotten anything less, please reply back, I am happy to address follow-up questions.

Kindly rate me "excellent" when you are done. I look forward to assisting you in the future, should you have legal questions. Be sure to start future posts with "To ***** Esq., ONLY" if you want me to specifically answer it.

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Expert:  Stephanie O Joy, Esq replied 1 year ago.

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