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She will receive the highest benefits she will be eligible for: her own or survivor benefits. The percentage depends on when she started collecting her benefits. If she waited until her full retirement age she will get 100% of your benefits; $3200. But if she applied for any type of benefits before her full retirement age, her surviving benefits will be reduced accordingly. If she applied for her benefits at 62, she will receive about 75% of $3200, which will be $2400
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