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PDtax, CPA firm owner
Category: Social Security
Satisfied Customers: 4670
Experience:  35 years tax and professional advice in all matters money
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I am 73 and receive ss benefits of 30K per year. My wife

Customer Question

I am 73 and receive ss benefits of 30K per year. My wife will become eligible for full benefits at age 66. She will be 66 in September and plans to apply for benefits. Should she ask for the survivors option?
Submitted: 2 years ago.
Category: Social Security
Expert:  PDtax replied 2 years ago.

Hi from Just Answer. I'm PDtax, and can assist.

Expert:  PDtax replied 2 years ago.

The social security survivor's option is not applicable until she is a survivor. Her application should be for her benefit based on her earnings, or yours as a spousal benefit.

If she applies for a spousal benefit, at her age, she could expect $1250 per month, based on 50% of your benefit you draw. She has a choice; benefit on her record or yours.

If she claims a spousal benefit, her benefit based on her work history will grow at 8% per year until age 70.

Applying at a Social Security Office will allow the agent to analyze the math involved.

Thanks for asking at Just Answer. Positive feedback is appreciated. I'm PDtax.