I'm sorry to hear about your loss and the confusion around benefits eligibility. Based on the excellent information already shared here, it sounds like you handled things correctly given the circumstances. Just to reinforce what others have said - the age 62 requirement for divorced spousal benefits is a hard rule, so there really wasn't anything available to you when your ex-husband was alive since you were only 53. The survivor benefits you claimed at 60 were actually the earliest possible benefit available to you in your situation. One additional thing to consider: if you're still working part-time, make sure you're aware of the earnings test rules. Since you're past full retirement age (66 and 6 months), there's no earnings limit that would reduce your survivor benefits, so you can work as much as you want without penalty. This wasn't always the case - before reaching FRA, there were earnings limits that could temporarily reduce benefits. You seem to have a good handle on your situation now, and staying with the higher survivor benefit makes perfect sense financially.

I'm really glad to see how this community came together to help clarify your situation! As someone who's dealt with Social Security questions for family members, I can confirm that the information shared here is accurate. The age 62 requirement for divorced spousal benefits is indeed a firm rule, and you absolutely did the right thing by claiming survivor benefits at 60. One thing I'd like to add that might be helpful for others reading this thread - if anyone finds themselves in a similar situation where they're unsure about benefit timing, SSA does offer benefit estimates through their online portal at ssa.gov. You can create a my Social Security account and run different scenarios to see projected benefit amounts at various claiming ages. It's a great tool for planning purposes. Your decision to stick with the higher survivor benefit of $2,125 versus your own retirement benefit of $1,980 is definitely the smart financial choice. And as others mentioned, you have the flexibility to reassess this if your work record changes significantly in the future.

That's such wonderful news, Ana! I'm so happy you got the official confirmation and can move forward with your wedding plans without worrying about your benefits. It's always nerve-wracking when you're dealing with SSA and there's so much misinformation floating around. Your story is going to be really helpful for other community members who might be in similar situations. The fact that you took the time to update us with the official answer you received shows what a thoughtful person you are. Congratulations on your upcoming marriage! It sounds like you've found someone wonderful, and at 68, you deserve all the happiness in the world. Best wishes for your new chapter together! 💕

Ana, what a heartwarming story! I'm so thrilled that you got the official confirmation from SSA and can now plan your wedding with complete peace of mind. It's wonderful to see how this community came together to help you navigate this situation. As someone who works with seniors on benefit questions, I want to add one small detail that might be helpful for you and others: if your new spouse also receives Social Security benefits, make sure to ask SSA about any potential changes to Medicare premiums based on your combined household income. This usually only affects higher-income couples, but it's worth asking about just to be thorough. Congratulations on finding love again at this beautiful stage of life! Your story reminds us all that it's never too late for new beginnings. Wishing you and your fiancé a lifetime of happiness together! 💖

Not to get off topic but make sure ur checking the tax implications to! When I retired at 63 I had SS + part time work and got surprised by how social security is taxed when u have other income. Up to 85% of benefits can be taxable if ur over certain thresholds.

Just wanted to add one more consideration that might help with your planning. Since your wife will be retiring in August, you should also think about how the timing affects her annual earnings record for Social Security benefit calculations. If she's close to her highest 35 years of earnings, working those extra months in 2025 could potentially increase her average indexed monthly earnings (AIME) and boost her benefit amount. This might offset some of the complications with the earnings test. Also, regarding the maintenance payments - if her sister is paying her as an independent contractor for property maintenance, make sure you're keeping detailed records of when the work was actually performed versus when payment is received. This documentation will be crucial if SSA questions the timing of those earnings. Have you considered having her sister put the maintenance payments on a more regular schedule starting in 2025? Even quarterly payments would be easier to track than one annual lump sum in December.

Thank you all for the helpful responses! I've learned so much. To summarize what I understand now: Since my sister was born after 1954, when her SSDI converts to retirement at 67, she has to choose either her own benefit OR 50% of her ex's (whichever is higher) - she can't do one then switch to the other. I'll help her set up a my Social Security account to see her projected benefit amount and then we'll try to figure out what her ex might be receiving to compare. I appreciate everyone taking the time to explain this complicated situation!

Just wanted to add one more consideration that hasn't been mentioned yet - if your sister's ex-husband hasn't filed for his own benefits yet, she might still be able to claim divorced spouse benefits even if he's just eligible (age 62+). The rule is that if they've been divorced for at least 2 years, she can claim on his record even if he hasn't actually applied yet. This could be relevant depending on his age and filing status. Also, make sure she understands that claiming divorced spouse benefits won't affect what her ex receives - it's completely independent of his benefits. Good luck navigating all this!

After reading all these comments, I'd suggest you have a one-on-one consultation with a financial advisor who specializes in Social Security claiming strategies. With a significant difference between your benefit amounts, proper timing could make a substantial difference in your lifetime benefits, especially considering survivor benefits down the road. While the spousal benefit won't increase if your husband delays claiming, survivor benefits would be based on his actual benefit amount including any delayed retirement credits.

Just wanted to add my experience as someone who recently navigated this! I was in a very similar situation - my own benefit was around $400/month and my husband's was $3,800. The key thing that helped me understand it was when the SSA representative explained that you essentially get "topped up" to the higher amount. So you're not losing your own work credits - they're still there as the foundation - but you get supplemented up to that 50% spousal amount. Also, definitely recommend keeping detailed notes when you talk to SSA reps because I got slightly different explanations from different people, which was confusing. The bottom line for me was getting about $1,900/month total (50% of his PIA) instead of my $400. Make sure you understand the timing requirements too - I had to wait until after my husband filed, but once he did, the process was pretty straightforward. Good luck!