I think everyone's overthinking this. You said half his benefit at 62 equals your full benefit at 67, right? So just take yours at 67, enjoy some travel, and when he hits 62 he can decide whether to claim or wait based on your situation then. You don't have to figure out everything now. Life changes, health changes, financial needs change. Just take it one step at a time.

As someone who navigated a similar age gap situation (my husband is 8 years younger), I completely understand your dilemma! We ultimately decided on a phased approach that worked well for us. I claimed at my FRA (67) which gave us a solid income foundation for our early retirement years together. The key insight for us was realizing that while maximizing benefits is important, having guaranteed income earlier allowed us to be more flexible with our other retirement accounts and gave us peace of mind during our most active travel years. One thing that really helped us was creating two different scenarios - one where we prioritized maximum benefits and another where we prioritized lifestyle goals. We mapped out the actual dollar differences and realized the "perfect" mathematical solution only worked if everything went exactly as planned. Real life rarely cooperates! Given your current good health and passion for travel, claiming at 67 seems like a reasonable middle ground. You'll have 4-5 years of benefits before your husband even reaches 62, which should fund quite a bit of travel. And if his earnings record is significantly higher than yours, having him delay claiming (even just to his FRA) could provide better long-term security for both of you.

Thanks everyone for the suggestions! I checked my my Social Security account and downloaded my benefit verification letter like some of you suggested. It turns out they increased my tax withholding from 10% to 22% without sending me any notice! The COLA increase was applied, but the extra withholding more than wiped it out. I've been trying to call for three days with no luck getting through. I'll try the Claimyr service that was suggested since I really need to get this fixed before next month's payment. I need to submit a new W-4V form to reduce my withholding back to 10%. Really appreciate all the help! I'll update once I get this resolved.

I'm glad you found the issue with your tax withholding! That's a huge jump from 10% to 22% without notice - that would definitely explain the $100 drop even with the COLA increase. Just wanted to add that when you submit your new W-4V form, you can also request that they process it as "urgent" due to financial hardship if that $100 difference is causing you problems with your monthly budget. Sometimes they can expedite the processing. Also, keep copies of everything you submit and get confirmation numbers when possible. If they continue to have problems with sending proper notices, you might want to update your contact information in your my Social Security account to make sure they have your current address and phone number. Hope the Claimyr service works out for you - waiting on hold for hours is just ridiculous when you're trying to fix their mistake!

Just to add a bit more clarity - these small adjustment payments are fairly common with survivor benefits specifically. When a person passes away, sometimes there are wage reports or earnings updates that come in months or even a year later. When that happens, SSA automatically recalculates the benefit amount based on the updated earnings record. If the recalculation shows you were owed a small additional amount, they'll issue a one-time payment like you received. For amounts under a certain threshold (I believe it's around $120-150), they often don't generate a letter to save on administrative costs. You could request an official explanation called a "BPQY" (Benefits Planning Query) which would show the exact reason, but honestly for $100 it might not be worth the hassle.

I'm dealing with something similar right now! Got a $87.32 payment last week that showed up completely unexpectedly. Like you, I checked my MySocialSecurity account and it just says "adjustment payment" with no other details. I've been getting survivor benefits for about 2 years now and this is the first time something like this happened. Reading through these comments is actually really reassuring - sounds like it's probably legitimate and related to some kind of recalculation or updated earnings info from my late spouse. Still might try that Claimyr service someone mentioned just to get peace of mind, but at least I'm not as worried about it being an error anymore. Thanks for posting this question - you're definitely not alone!

Thank you all so much for the helpful responses! I talked to my sister and it turns out the kids' regular benefits did come in this month - she just didn't notice because they're direct deposited and she was so focused on the funeral arrangements and everything else. She's going to keep an eye out for any letters from SSA about changes to the benefit amount. Really appreciate everyone's advice and reassurance!

So glad to hear everything worked out! It's completely understandable that she missed the direct deposit during such a difficult time. For future reference, she can also set up a my Social Security account online at ssa.gov to track all payments and communications in one place - it's really helpful for keeping tabs on benefit changes without having to call or visit the office. Wishing your family all the best during this transition.

That's an excellent follow-up question. Claiming her own retirement benefits early would NOT affect potential future survivor benefits on your record. Survivor benefits are indeed calculated separately from retirement benefits. So if she claimed her own retirement at 62 (reduced), and you passed away years later, she could still get the full survivor benefit based on your record (assuming she's at her Full Retirement Age when claiming survivor benefits). This is one of the few situations where benefits are truly independent of each other. The reduction for early filing only applies to the specific benefit being claimed early.

Just wanted to add something important that I learned when my mom was in a similar situation. If your girlfriend has any government pension (federal, state, or local), there's something called the Government Pension Offset (GPO) that could reduce her spousal or survivor benefits from your record by up to 2/3 of her pension amount. This catches a lot of people off guard! Also, if she has substantial earnings from non-Social Security covered employment, the Windfall Elimination Provision (WEP) might affect her own Social Security benefits. These are definitely things to ask SSA about when you meet with them, especially since you're doing all this planning now. Better to know upfront than be surprised later!