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I am 67 and plan on collecting social security at 70. My…

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I am 67 and plan...
I am 67 and plan on collecting social security at 70. My wife claimed early social security at 62, $939.00 a month, she is now 64. My estimated benefit at 70 is $2882.00 a month. If I were to die what would her benefit be?
Submitted: 2 years ago.Category: Social Security
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3/2/2016
Social Security Expert: Stephanie O Joy, Esq, Soc. Sec. Attorney replied 2 years ago
Stephanie O Joy, Esq
Stephanie O Joy, Esq, Soc. Sec. Attorney
Category: Social Security
Satisfied Customers: 13,637
Experience: 22+ years legal exp. - 12+ years owning/operating her own SSD Law practice.
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Hi, my name is***** and I am here to assist you. I am a social security attorney in my private practice – that is ALL I do. Please let me know that my post here is coming through for you by typing a quick reply.

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Social Security Expert: Stephanie O Joy, Esq, Soc. Sec. Attorney replied 2 years ago

OK, in the meantime. If you were to pass away, your wife would be eligible for between 701.5% and 100% of whatever you were collecting as a benefit. SO if you increase your own til age 70, she'd get a benefit based on that increased amount. The reduction would apply if she didn't wait til her own retirement age of 66+, to started collecting that survivor retirement benefit. Collecting early, like any other retirement, causes the appropriate mathematical reduction.

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Social Security Expert: Stephanie O Joy, Esq, Soc. Sec. Attorney replied 2 years ago

So if she collected at 66 and you'd waited til 70 and had your 2882/mo., she'd be eligible to get that amount (or switch to it from some other benefit she may have chosen to collect). If she collects her own or spousal earlier than FRA, it will NOT cause a reduction in a later survivor benefit - only taking the survivor benefit earlier than FRA will cause IT to be reduced.

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Social Security Expert: Stephanie O Joy, Esq, Soc. Sec. Attorney replied 2 years ago

I hope this helps! My goal is to provide you with excellent and accurate service – if you feel you have gottenanything less, please reply back, I amhappy to address follow-up questions.

Kindly rate me "excellent"when you are done. I look forward to assisting you in the future, should you have legal questions. Be sure to start future posts with "To ***** Esq., ONLY" if you want me to specifically answer it.

Sincerely, ***** ***** Joy, Esq.

Your online SS legal resource!

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Social Security Expert: Stephanie O Joy, Esq, Soc. Sec. Attorney replied 2 years ago

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Hello again. It is month end -Please, if you haven't yet had the opportunity to do either of the items below, I ask that you do so now, because itis the only way I can receive credit for time spent with you. Please:

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If there's more I can do, please use the reply tab and let me know how I canbe of further assistance. It's my goal to provide you with excellent service- to make sure I answered the question you asked about. Please rate mehighly and provide me with feedback. And thanks for understanding how we receivecredit from the Site for contributing our time here!

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