Your Social Security Advisor

Will Taking My Benefit Early Affect My Widow Benefit? – Ask Rusty

file benefit social security benefitsDear Rusty:. My husband is 70 and has been taking Social Security for several years. His benefit is $2,100 per month. I am 60 and will turn 61 in March. I have very little built up and my expected SS benefit at my full retirement age is $1163 and $829 if I choose to take it at age 62. We are comfortable with our current income, but the benefit at 62 is enticing. I want to know how taking it at 62 would affect my situation if my husband predeceases me. Would I then be able to exchange my benefits for his? Please advise. Signed: Planning Ahead.

Dear Planning: Taking your own SS benefit early (before your full retirement age) won’t affect the amount of your survivor benefit should your husband predecease you. The only thing that would affect your survivor benefit is the age at which you claim it. So yes, you could claim your own benefit first and then switch to your survivor benefit later without hurting your eventual survivor benefit. If you have reached your full retirement age (FRA) when your husband passes, your survivor benefit will be 100% of the amount your husband is receiving at his death, instead of your own smaller benefit. But if you take the survivor benefit before your FRA, it will be actuarially reduced according to the number of months prior to FRA it is claimed. To be clear, if your husband were to pass before you reached FRA, you have the option to wait until your FRA to claim the survivor benefit (so you can get 100% of his benefit). In other words, you could continue to collect your own benefit until your survivor benefit reached 100% at your FRA (a survivor benefit reaches maximum at FRA).

Be aware, though, that there is another consideration if you claim your own SS benefit before you reach your full retirement age. If you are still working and claim your benefit before your FRA, you’ll be subject to Social Security’s “earnings limit” which, if exceeded, will cause SS to take back future benefits equal to 50% of the amount you exceeded the limit by (the 2020 limit is $18,240, but it changes annually). If you have substantial earnings from working, that could mean you will go some number of months without benefits (depending upon your earnings level). In the year you reach your FRA (but prior to your FRA) the earnings limit goes up by 2.6 times and the penalty is less, and once you reach your FRA there is no longer an earnings limit. But, I want to make sure you’re aware that collecting early and exceeding the earnings limit will affect your benefits. If you go months without benefits because you exceeded the earnings limit, SS will give you time credit for those months when you reach your FRA, which will result in a small increase in your own SS benefit at that time.

But the bottom line is that collecting your own Social Security benefit early will not affect your eventual survivor benefit. Only the age at which you claim it, if earlier than your FRA, will affect the amount of your survivor benefit. And, by the way, your FRA as a widow is 4 months less than your normal FRA because SS takes 2 years off of your birth year to determine your “widow’s FRA.”

This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundation’s staff, trained and accredited by the National Social Security Association (NSSA). NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity. To submit a question, visit our website ( or email us at [email protected].

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3 years ago

My ex-husband was receiving benefits for disability. He passed away on February 24 2020. Although we were not married he had my name added to his account. I believe this was to help account for his money, He was renting from me and I took care of him. Yesterday I received a letter from the Social Security Administration stating that I have to repay 967.50 because he was not to be paid in the month of his death. This was not my money. He had access to it and used it for meds,rides to doctors,etc. Also there were only 5 days left in the month when he passed. I paid for his cremation out of my own pocket. What gives?

Russell Gloor, AMAC Social Security Advisor
3 years ago
Reply to  gloria

Gloria, please accept condolences on your husband’s passing. Unfortunately, a person must live the entire month to be eligible for benefits for that month. Even though there were only 5 days left in the month your husband passed, his last full month of life was January, That means his payment for benefits in February (paid in March) must be returned to Social Security. You say he had your name “added to his account,” which I presume means that you were receiving ex-spouse benefits from his record. If that is the case, you will no longer be eligible for those ex-spousal benefits, but you may be eligible for a survivor benefit if you were married for at least 10 years. If so, you should contact Social Security directly to apply for survivor benefits as an ex-spouse.

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