I think you all are making this WAY more complicated than it needs to be. Just take the survivor benefits now AND keep working. Then when you hit 70, switch to your own benefit. That way you get the most money overall. My financial advisor told me Social Security is all about getting the most money over your lifetime.

To summarize the excellent points made here: 1. Due to the earnings test, with your income level, you'd have most or all survivor benefits withheld until you reach FRA anyway 2. Waiting until FRA means you get 100% of your husband's benefit amount versus a reduced amount now 3. You can take survivor benefits at FRA and then switch to your own higher benefit at 70 (this is still allowed) 4. When you eventually collect survivor benefits, they'll be taxed based on your overall income; potentially less tax impact if your income is lower by then Given these factors, waiting until FRA to apply for survivor benefits appears to be the optimal strategy in your specific situation.

Anybody else think its messed up that people have to jump through all these hoops just to afford medication?? My sister is going through the same mess with her MS meds. This is why I'm terrified of retiring even though my back is killing me from 40 years of construction work...

I wanted to add one more important point: When your husband applies in January 2025, make absolutely sure that on the application he specifies January 2025 as his "benefit start date" even though he's requesting retroactive benefits. This prevents any confusion in the processing center. Also, keep documentation of everything - when you applied, what you requested, etc. If the pharmaceutical program requires income verification during the year, you may need to explain your strategy to them as well.

One more important thing to consider: If you switch to retirement benefits at 62, that reduced amount becomes your permanent benefit (except for COLA increases). You won't suddenly get a higher amount when you reach 67. So you need to weigh the advantage of switching sooner (no asset limits, potentially higher than SSI) against the disadvantage of locking in a permanently reduced retirement benefit. This is why getting your exact numbers from SSA is so important before deciding.

After dealing with SSI's ridiculous restrictions for years, I'd take a slightly lower permanent payment just to be FREE of those asset limits!!! Being able to save money without fear of losing benefits is worth its weight in gold. My mother-in-law chose early retirement at 62 instead of continuing disability benefits and says it's the best decision she ever made - the peace of mind was worth WAY more than the extra money would have been.

One other aspect to consider if your own benefit is low: have you checked if you qualify for SSI (Supplemental Security Income)? If your resources and income are below certain limits, you might qualify for SSI now, even while waiting to claim your retirement benefit at 70. Another option worth exploring: if you worked fewer years than your ex-spouse, you might want to calculate whether claiming at 68 (now) might actually be better than waiting until 70. The extra 2 years of payments might outweigh the 16% increase you'd get by waiting, depending on your life expectancy and financial needs. I'd recommend using the calculators on ssa.gov or scheduling an appointment with a claims specialist to run different scenarios.

This is exactly why Social Security rules need to be reformed. The arbitrary 10-year cutoff for divorce benefits hurts many people who fall just short. After all, 6 years is still a significant relationship, and your ex contributed to the system his entire career. Unfortunately, until Congress changes these rules, SSA representatives have to follow them exactly as written. For now, I agree with the suggestion to look into SSI while waiting for your retirement benefits. Also consider whether you might qualify for any state-based assistance programs that could help bridge the gap until age 70.

Will your daughter be going to college? My friends kid still got survivor benefits during college so maybe look into that too!

Thank you all for the helpful information! I think I'm going to encourage her to take the job since she won't lose all benefits, just a reduction. We'll definitely report it to SSA right away and I'll make sure to keep track of her annual earnings. I appreciate everyone's advice!