Switching benefits

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Can I collect a spousal benefit now and switch to a survivor benefit later?

Full question: I will be 65 in February 2026. My spouse died fifteen years ago at age 54. Can I take a spousal benefit through Social Security at age 65 and then survivor benefit at full retirement age? My spouse’s benefit will be considerably more than mine. I earn 32,000 annually. Thanks. Hi there, If…

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Can I file for ex-spousal benefits and switch to my own benefit later?

Full question: May I file for a Social Security benefit against my ex’s record and delay my own benefit filing until age 70? I am single, age 65 and my ex is also 65. Hello, Unfortunately, no. You cannot file for ex-spousal benefits and delay filing for your own retirement benefits until age 70. The…

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Will my payment date change when I switch from SSDI to Social Security retirement benefits?

Full question: I am currently on SSDI. I turn 65 this month. On SSDI I get paid on the 3rd of each month. Will my payment date change to the fourth Wednesday of each month after 65? I have emailed, called and texted my local and government SSA with NO response. Help! And thank you….

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If my wife claims spousal benefits early, will she still be entitled to full survivor benefits?

Full question: If my wife claims Social Security at age 62 (based on my earning as I am high earner), will she get full survivor benefits at her full retirement age. Hi there, Thank you for reaching out. If your wife claims Social Security spousal benefits at age 62 based on your earnings as the…

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Can my wife switch from her benefit to a spousal benefit once I start collecting?

Full question: Hi I’m 68 and not collecting Social Security yet. My wife 66 started collecting on her record a year ago. When I start to collecting can my wife step up to spousal benefit if it’s higher? Hi there, Yes, when you start collecting your Social Security benefits, your wife may be eligible to…

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Can I collect survivor benefits now and claim my own benefits later?

Full question: Hello. My husband was collecting disability through social security and he passed away. I was planning to retire in August. Would it be possible to claim survivor benefits until I am old enough to claim my own benefits? Hi there, Yes, you can claim survivor benefits based on your late husband’s Social Security…

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