Study Finds Wives Often Lose When Husbands Take Social Security Early

Potential survivor benefits when husband claims at age 68, actual claiming choices, and potential survivor benefits that maximize household benefits

Social Security provides a large portion of household income in old age. Most women receive at least some Social Security benefits over their lifetime based upon their husbands’ work record, and this will continue even as women are more attached to the labor market and receive higher wages. Unfortunately for many wives, the age her husband begins receiving Social Security benefits can have a spillover effect and also impact her lifetime benefits.
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