Ask Bob: Social Security Spousal Benefits

Robert Powell, CFP®

Question: I have a question and hope you can answer it for me and my spouse. I am 75 and she is 55. I will predecease her. My questions: At what age can my spouse claim my full Social Security benefit? Can she claim a partial benefit at what age, and then at her full retirement age, claim the full amount? She is currently working a part-time job, so I'm trying to determine the money she can expect to get from my Social Security after I die.

Answer: According to Andy Landis, author of Social Security: The Inside Story, your wife could get 100% of your Social Security payment if she waits until her full retirement age (FRA) to claim survivor payments.

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