Hi there,

Yes, if eligible for both your own retirement benefits and survivor benefits, you may collect one benefit (even if it is a lower amount than the other benefit at the time you are collecting) and later switch to the other.

This will allow a retirement benefit to increase all the way up to age 70 from delayed retirement credits.

Also, survivor benefits are available as young as age 60.

For personalized assistance and/or support determining the optimal filing strategy for you, schedule a call with an RSSA here.

All the best,
Martha

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