Ask Social Security Questions and Get Answers ASAP
Hi. My name is ***** ***** I will be happy to help you.
If your wife applies for any social security benefits before her full retirement age she will permanently reduce her own but also all benefits available to her in the future, including spousal and widow/survivor benefits. If she applies for her own now her spousal benefits will only be 35% of the amount you were eligible for at your full retirement age of 66.
Her survivor/widow benefits will also be reduced. She will only get 75% of what you will be getting at the time of your death.
I see you read my respond. Do you have any questions? Is there anything else I can help you with today?