Results 1 to 1 of 1
  1. #1
    Deal GURU
    Join Date
    Mar 2007


    Since I will be 62 in December, I decided to go yesterday and apply for
    early retirement. I came away both upset and happy.

    Upset because I found out that since I am a widow, I could have been drawing
    off my husband from the time I turned 60 (So I lost 2 years of benefits I
    could have been drawing) and happy because I found out that from drawing off
    my husband instead of mine, I will be getting about $250 more a month than
    if I were to draw off mine. My husband died in 1975 and even though he
    didn't make much money, (he was disabled since 1964, so therefore only
    worked about 6 years) I will make more by drawing him and that my benefits
    would start now. I don't quite understand how, but I'm not complaining.
    Even though I've worked most of my life, they said I would benefit $ wise to
    take retirement from him. And that even at age 65 and 10 months (my full
    retirement age) I will still benefit by drawing on him instead of mine.
    Good day to go in, yesterday would have been our 43rd wedding anniversary.

    Oh, when you go in, make sure you have your birth certificate, social
    security card, marriage license, husbands bc and death certificate, if he
    was in military his DD214 (proof of military service), if divorced, divorce
    papers, also your bank routing number and account number, as this is auto
    deposit, if minor children their bc or proof of disability for you or child
    if disabled. The better prepared you are, the faster it goes. I keep all
    my info in a notebook in plastic sleeves.

    Her is an excerpt from the Social Security booklet I got yesterday called
    Social Security Retirement Benefits
    Retirement benefits for widows and widowers

    Widows and widowers can begin receiving Social Security benefits at age 60,
    or at age 50 if they are
    disabled. And they can take a reduced benefit on one record and later switch
    to a full benefit on the other
    record. For example/ a woman could take a reduced widow's benefit at 60 or
    62 and then switch to her
    full (100 percent) retirement benefit when she reaches full retirement age.
    The rules vary depending on the situation/ so you should talk to a Social
    Security representative about the options available to you.

    Benefits for a divorced spouse

    Your divorced spouse can get benefits on your Social Security record if the
    marriage lasted at least 10 years. Your divorced spouse must be 62 or older
    and unmarried. The amount of benefits he or she gets has no effect on the
    amount of benefits you or your current spouse can get. Also, if you and your
    ex-spouse have been divorced for at least two years and you and your
    ex-spouse are at least 62, he or she can get benefits even if you are not
    All of my posts were transferred from
    the budget101 Discussion list

  2. The Following User Says Thank You to BiggerPiggyBank For This Useful Post:

Tags for this Thread

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts

(C) Melissa 'Liss' Burnell & 1995-2016
Material from may not be copied or distributed, or republished, uploaded, posted, or transmitted in any way, without the prior written consent of, EXCEPT: you may print recipe pages for your personal, non-commercial home use only, provided you do not delete or change any copyright, trademark, or other proprietary notices. Modification or use of the materials for any other purpose violates's intellectual property rights.