Ask Social Security Questions and Get Answers ASAP
I hope you will live long live and enjoy your social security benefits.In general - if you die - your spouse will be eligible for survivor benefits based on YOUR earning record AND for her own social security benefits.The SSA will not pay both benefits - and will award that woudl be more beneficial for her.Either benefits will be reduced based on the fact that she started social security benefits before her full retirement age.
Following publication explains some details
Unfortunately benefit calculator provided by the SSA doesn't allow to estimate benefits based on someone else records - but we may estimate expected reduction based on your spouse full retirement age and when she stated her benefits.
http://www.ssa.gov/planners/survivors/survivorchartred.htmlSo based on your information - her full retirement age is 66 - and her survivor's benefits will be reduced by .396% for each month.Thus if she started at age 62 - that woudl be 48 months - and her reduction would be
.396% * 48 = 19.008%So - her spousal survivors benefit will be your benefits reduced by that percentage.
That reduction will not be based when you die - but is simply based on when she started her benefits.Because she started benefits 48 months early than her full retirement age - there will be a reduction.If she were started 24 months before her full retirement age - reduction will be twice less - 9.504%.That reduction is calculated as .396% * <number of months benefits started before her full retirement age which is 66>