I’m 63, my husband is 70, we’ll have $90,000 a year in retirement — how can we claim our Social Security benefits?

It will surely be something to celebrate, and having already figured out what your retirement income will be is a good place to start. Americans are entitled to survivor benefits in some scenarios, including if they are a widow or widower and are 60 years or older. a divorced spouse from a marriage that lasted 10 years and did not remarry before the age of 60; or a widow or widower of any age who takes care of the deceased's child under 16 years of age. Spouse benefits can be very confusing, said Kate Gregory, financial planner and president of Gregory Advisors Inc. As a spouse, you are entitled to 50% of your husband's primary insurance benefit that he would receive at his full retirement age (FRA, in his case 66 years old) but must have applied for benefits before you can do so.

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