Can I collect a survivor benefit now before collecting my own benefit at 70?

Published: June 11, 2025

Full question: I’m 67 and my financial advisor is working with me to delay collecting until age 70. My wife was collecting Social Security since 2018 until her passing two months ago. Can I claim surviving spouse benefits until 1 turn 70?

Hi there,

Yes, since you are over the age of 60 and your wife was collecting Social Security benefits, you are eligible to claim survivor benefits. You can receive these benefits while delaying your own retirement benefits until age 70. This strategy can allow your own retirement benefits to continue to grow.

If you need personalized support, you can work with an RSSA here.

All the best,
Martha

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