In Reply to: Social Security Benefits - Claim benefits early? posted by Glenn Hammill on 02/04/04:
I don't know all of the answers but I do know:
1. The nonworking spouse can claim benefits at age 62 (or at a later age) if they've been married for one year.
2. If the spouse worked on her own (and had the correct number of benefits for coverage), she can claim her own benefit it it is larger than what she'd get based upon spouse's account.
3. A divorced spouse can claim benefits based upon former spouse's account if they were married 10 years; the divorced spouse can apply at an earlier age than the working former spouse.
4. If the spouse is receiving benefits before age 66 and the working spouse's benefits are reduced because of working, her benefits are reduced as well.
5. During life, the spouse gets about 1/3 of the combined benefit and the worker gets 2/3. If he predeceases, she gets his benefit (and she complains because she was living on one-third more).
6. There are lots of articles you can find about taking benefits early. You need to live long enough to overcome the benefit reduction by starting early.
I don't want you to lose any fees but if they were to go in (or make a telephone appt) with someone at Social Security, they will get very good personalized info about this.
Also upon remarriage, she won't lose the first spouse's benefits but I don't know if she can get the second spouse's benefits after they've been married a year.