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About “Survivor” Benefits vs. “Spousal” Benefits
Should I claim Social Security now?
News
May 16, 2023
About “Survivor” Benefits vs. “Spousal” Benefits

Dear Rusty: I will be 70 in August and will file my application for benefits in May. I know I’ll get my maximum possible amount at age 70, but I need you to clarify things I have read. Per an award-winning TV host, author, and host of a money podcast “if the higher-earning spouse delays until age 70 to claim Social Security, that guarantees the survivor the biggest possible benefit.” But then I read in a different article that if a person delays beyond their full retirement age to obtain a higher personal benefit (like I have), my spouse’s benefit would still be based on my FRA benefit amount. I am confused about which statement is the correct version. Signed: Confused About My Spouse’s Benefit Dear Confused: I’m not surprised that you are confused about these seemingly contradictory statements. It is, indeed, quite logical (and common) for a widow or widower to think they must apply for a “spousal benefit” from their deceased spouse. And while that’s technically true, those of us who live in this often confusing world of Social Security jargon would say the widow or widower is applying for a survivor benefit, not a spousal benefit. What’s the difference? Well, when you’re speaking with a Social Security representative or an advisor, the term “spousal benefit” means something entirely different than the term “survivor benefit.”

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