Delayed retirement credits not for survivors benefits

Q: Will my Social Security survivor benefits increase if I delay starting them past full retirement age?

A: No. Unlike your own Social Security retirement amount, survivors benefits do not continue increasing if delayed past your full retirement age (FRA).

Up to age 70, your personal retirement amount increases each month you delay starting past full retirement age. Learn about these increases, called delayed retirement credits, at http://www.socialsecurity.gov/retire2/delayret.htm

Delayed retirement credit increases do not apply to Social Security survivors benefits. Survivors benefits are reduced when started before full retirement age and generally reach their maximum amount if not started until you reach survivors full retirement age. Maximum survivor amounts to you can also be limited depending on the age of the deceased when he or she started Social Security benefits on their record.

Note that full retirement age (FRA) is different for survivors benefits compared to your retirement FRA. See http://www.socialsecurity.gov/survivorplan/ifyou5.htm for general information about amounts of survivors benefits at different ages.

 

 

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