Learn how surviving spouses can use Social Security's restricted application to maximize benefits and secure financial ...

The benefit at age 60 would be 71.5% of her ex-husband’s benefit, says Clements. “You cannot collect a benefit on your work record until you turn 62 and it will be reduced for early retirement ...

This little-known restricted application rule can significantly boost retirement income for surviving spouses.

A widow can claim as early as age 60 (50 if she is disabled), but her benefit will be reduced permanently for each month she claims before her full retirement age (FRA). Her benefit is based on ...