Скачать или смотреть Delay the larger Social Security benefit to maximize the "Survivor Benefit"

When a spouse dies, the survivor will either continue to collect their own benefit or switch over to the spouse's benefit, whichever is higher. Therefore, make sure to consider both life expectancies and worker benefits before deciding on claiming Social Security early vs. delaying.

Check out the full video in the podcast channel. Ep. 49 Vol 1 of the WRP.
***referenced in the full video:
Regarding the lower earner claiming their own benefit first, and switching to the spousal benefit later...
Because Jennifer filed her OWN benefit early, she would also have a lower benefit even after Bob collects his benefit at 70 and she is eligible for the spousal benefit. This includes the $12k she would receive, plus a $6k "top off" to get to the full $18k/year she would be eligible for.

For Jennifer's claiming strategy on her own record with a PIA of $12,000/year (assuming she started at 67). If she started at 62, this would equate to a 30% total reduction from her PIA of $12,000. This reduced amount would be $8,400/year. The $8,400 continues for life, but once Bob claims his benefit at 70, she is then eligible for the maximum $6k "top off" I mentioned earlier. This would give her a total benefit of $14,400/year, not $18k/year.


Here is a link to an article you might find helpful:

⁠https://maximizemysocialsecurity.com/...