Social Security Questions? Ask a Social Security Expert
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You are not eligible for spousal benefits (based on his records) but you may be eligible for surviving/widow benefits (also benefits based on his work records). But because you applied for your benefit before your full retirement age, you permanently reduced your own benefits but also all benefits available to you in the future, including widow's benefit. Which means you will not get 100%, you will get about 71 - 75% of his benefits. If your widows benefits are higher than your own, you will be switched to your widows benefits. You cannot apply for widows benefits online or over the phone, you will need to visit your local office as soon as possible to apply.
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