Social Security Matters:

Ask Rusty – Should I take Widow’s Benefits or Retirement Benefits?

Dear Rusty:  I am 58 years old. My spouse passed away last year, and I am entitled to survivor benefits.

I am trying to plan for when I can retire from working, but don’t know if I should take my widow’s benefit or my own Social Security.

I called Social Security twice and have received two different answers. If I claim Social Security at 62, will I receive 70 or 80 percent of the full amount?

This makes a huge difference in deciding when I should retire.  Signed: Widowed Worker


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