OK, I think I get it.
Spouse B receiving their own $1,800 and spouse A passes.
Option 1 - If spouse B decides to collect survivor benefits before their survivor FRA instead of their own benefit, there is a reduction dependent on how long prior to their survivor FRA.
Option 2 - If spouse B decides to continue to collect their own benefit, waiting until they reach their survivor FRA then the survivor benefit is in full force with no reduction.
Spouse B receiving their own $1,800 and spouse A passes.
Option 1 - If spouse B decides to collect survivor benefits before their survivor FRA instead of their own benefit, there is a reduction dependent on how long prior to their survivor FRA.
Option 2 - If spouse B decides to continue to collect their own benefit, waiting until they reach their survivor FRA then the survivor benefit is in full force with no reduction.
Statistics: Posted by dfin — Fri Sep 19, 2025 1:32 pm — Replies 7 — Views 235