My husband was 61& never collected any ss. I will be 64 in August, & that's when I want to start taking widows benefits.Will I qualify for the reduced benefit at 90% or will I qualify for the amount he would've collected at full retirement age? I'm unsure of the rules. Also I want to get your. software but I don't have my husbands ss records. Will I still be able to use your software & get an accurate benefit amount?

Hi,

I'm sorry for your loss.

If you file for widow's benefits at age 64, they'll be paid at a rate of about 90.5% of your husband's full retirement age rate (PIA), vs. 100% if you wait until age 66 to start. If your own retirement benefit rate is lower than your widow's rate, it may be better to file for reduced retirement benefits first, and then file for unreduced widow's benefits at age 66. On the other hand, if your own retirement rate is higher, you should probably go ahead and file for reduced widow's benefits first and then switch to your own record at age 70.

The maximization software available on this website can give you an accurate estimate of your benefit rate(s), and tell you when would be the best time to file for each type of benefit, however, you will need to furnish your husband's PIA. You should be able to obtain that information by contacting Social Security.

Best, Jerry