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When Does Claiming Social Security Affect Your Family?

Deciding when to take advantage of your Social Security benefits can affect your family. What may seem like a good choice at the time can have a huge impact on your family's income, causing financial difficulties and more.

What is the Right Social Security Benefit Age

Social Security is attached to your lifetime earnings and can provide benefits to spouses, children, help for disability or illness, and auxiliary benefits to an ex-spouse or widower.

When considering when to claim Social Security, examining these additional benefits will provide some insight into when the best time to claim SS may be. The earlier that Social Security is claimed, the lower the benefits will be. There is a 25% reduction in total benefits for not waiting until full retirement age. That is 76% less than if you had waited until the age of 70 to file.

How Claiming Affects Widows

Unless you are disabled, it will likely be beneficial to wait to claim Social Security benefits. Many wives that are currently reaching retirement age don't have the same contributions to Social Security that their husbands do. This can leave a widow strapped for money.

If you are concerned about the Social Security benefits that you are receiving, consult with an attorney at the Zendeh Del Law Firm, PLLC. With over 20 years of experience, we can work with you to help make sure you receive the benefits you deserve.