According to PBS, a spouse who claims benefits at age 62 will receive the larger of either her or her ex-husbands benefits. She cannot choose which benefit to collect. Further, she forfeits the right to claim an 8 percent credit for each year she delays collecting benefits from the time she reaches full retirement age until she is 70 years old.Continue Reading
According to the Social Security Administration, an ex-wife may collect Social Security retirement or disability benefits on an ex-spouses record as long their marriage lasted at least 10 years and she has not remarried. If she remarries, but the second marriage ends, she may still be able to collect on her former spouse's benefit after two years. If she waits until she has reached full retirement age, the benefit she receives is calculated as one-half of the ex-spouse's full retirement amount. If she has earned her own Social Security benefit and her benefit is lower than one-half of her former spouse's entitlement, she receives a combination benefit equal to the higher amount. Further, if she waits until she has reached full retirement age to file, she can choose to receive her ex-spouses benefits first and delay receiving her own benefit and take advantage of the Delayed Retirement Credit of 8 percent per year.
If an ex-wife files for her former spouses benefits at age 62; however, her benefit amount goes down. According to the latest figures from the SSA, if she files at age 62, her benefit is equal to about 32.5 percent of his full retirement benefit.That amount increases each year until she reaches full retirement age, which is 65 for anyone born before 1938 and 67 for anyone born after 1960. The age increases slightly for each year between 1938 and 1959.Learn more about Social Services
A surviving spouse is able to receive social security benefits based on the earnings of the deceased spouse, according to the U.S. Social Security Administration. Restrictions based on age, disability and family status impact when a surviving spouse begins receiving benefits.Full Answer >
A person can qualify for disabled widows benefits if she is at least 50 years old and disabled, and her disability started before her spouse died or within seven years of her spouse's death. Her spouse would have had to have been insured in order for the widow to qualify.Full Answer >
Applying for a deceased spouse's Social Security benefits, also known as survivor's benefits, can be done either over the phone or at a local Social Security office. In order to apply, it is necessary to provide a number of different documents and answer a series of questions to verify eligibility.Full Answer >
In the United States, a wife can start collecting on the Social Security benefits from her deceased husband once her application for survivor's (or more specifically, widow's) benefits has been approved, according to CNN Money. To apply for survivor's benefits, the wife can either visit the local Social Security office or call the toll-free number of the agency, which is 800-772-1213. It is a good idea for the claimant to bring along the needed documents, including an accomplished Form SSA-10, to facilitate the application process.Full Answer >