I have an adult child with a disability. Should I wait until I’m 60 to collect survivor benefits?

Published: May 27, 2022

Full question: Martha, is it better if I wait until I’m 60 to collect off deceased ex-husband’s survivor benefits if I’m caring for our disabled adult son while I’m 59 years of age?

Hi there,

A survivor benefit can be taken as early as age 60.

Deciding when to collect survivor benefits and your own retirement benefit can be difficult and based on having an adult disabled son, many factors need to be considered.

It is hard to say if it is better to take early without knowing more information that can ensure optimization of benefits. Reach out to an RSSA who can help you plan based on your specific circumstances.

Take care,


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