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Thank you Bryce,
My late husband was on disability, as he had cancer, how will this affect things?
Good question. After some research on this, it doesn't seem that it would change anything, with one exception:
Are you disabled yourself? If you are, you can begin claiming benefits on your spouse as early as age 50. Here's an exert of note on that:
Spouse’s Survivors Benefit
If a spouse was married for at least a year to a disabled worker who died while receiving Social Security disability benefits, the surviving spouse can get benefits in either of these circumstances:
- The surviving spouse is 60 years old or older.
- The surviving spouse is disabled and between 50 and 60.
This benefit is sometimes called the widow or widower’s benefit. Note that the surviving spouse’s benefits will end if he or she remarries or becomes eligible to receive significantly higher Social Security benefits on his or her own record.
Otherwise, it seems that spousal benefits from Social Security would work out to the same monthly payout, regardless of if he was on disability prior.
Whenever you are ready, you can verify all this info by applying for benefits with this site:
Apply Online for Retirement/Medicare Benefits
Or call SSA directly, to make sure. That's your best bet. 1-800-772-1213. As you are close to being able to start taking early benefits, it would be best to chat with them about your options, and to get a really good understanding of how much you will be receiving monthly, so you can plan accordingly.