I'm collecting my widows ss I'm 64 will I ever get the full amount

Hi. There's not enough information in your question for me to be able to give you a proper answer. Here's what I can tell you. If you start drawing widow's benefits prior to your full retirement age (FRA) then your benefit rate is subject to a reduction for age. That reduction for age is permanent, unless you were also drawing Social Security disability (SSDI) benefits based on your own earnings history when you started drawing widow's benefits.

However, if your deceased spouse collected reduced Social Security retirement benefits prior to his or her death then the maximum widow's benefit rate that can be paid on that person's account is limited to the higher of the deceased worker's reduced benefit rate or 82.5% of their primary insurance amount (PIA). And, in those cases it's generally advisable for the widow(er) to start drawing their survivor benefits at some point prior to their FRA.

Furthermore, if you're insured for Social Security retirement benefits based on your own account then you may have other options. If you think that you may be eligible for a higher benefit rate on your own account, then you may want to strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully analyze the options available to you in order to determine your best strategy for maximizing your benefits.

Best, Jerry