While it generally takes approximately six weeks for an application to be processed, it is advisable for you to initiate the process three months before you want to receive your first benefit payment.

What is the highest Social Security benefit paid?

For someone at full retirement age, the maximum amount is $3,113, and for someone aged 62, the maximum amount is $2,324. The absolute Social Security max benefit that an individual can receive per month in 2021 is $3,895, and to get it you must file at age 70.

How to apply for Social Security survivor benefits?

If you were receiving benefits based on your working record or not receiving benefits at all you will need to contact Social Security to apply for survivor benefits. You can apply online, by phone 800-772-1213 or in person at your local office. (Currently due to the coronavirus pandemic local offices are closed.)

Can a spouse collect Social Security on their own work record?

You can collect benefits on a spouse’s work record regardless of whether you also worked. If your own retirement benefit is lower than your spousal benefit, Social Security will pay you the higher amount. To qualify for survivor benefits, you must have been:

When to file for Social Security spousal benefits?

When planning your Social Security filing strategy, it’s important to note that you cannot file for a spousal benefit until the higher earning spouse files for their benefit. But this does not apply if your are filing for a spousal benefit from an ex-spouse.

Can a person draw Social Security benefits before Fra?

Hi Jeff, If you start drawing reduced benefits prior to your full retirement age (FRA), you can’t voluntarily suspend your benefits until you reach FRA. Your benefits could be involuntarily suspended, though, if you return to work prior to FRA and earn more than the Social Security earnings test exempt amount.