Social Security Questions? Ask a Social Security Expert
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You can collect one benefits at the time, usually the one that are higher. The survivor or widow/widower benefits are 100% of the passing spouse.
Which means if she passes first, you will keep your benefits because your benefits are higher than her (your own are higher than your widower would be).
If you pass first, she will be eligible for about 85% of yours (because she applied for her benefits early at 62, she permanently reduced all her eligible benefits, including her spousal and survivor benefits). She will get about 2400 in surviving benefits.
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