Social Security Choices

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The Cost Of Claiming Benefits Early

If you claim your widow(er)'s benefits before your FRA, you face a penalty. Your benefits are reduced in accordance with the following list.

Reductions in Widow(er) Benefit from Claiming Early
Age of Claim Benefit Reduction Example: $1000 Full Monthly Benefit
60 -28.5% $715
61 -23.7% $763
62 -19% $810
63 -14.2% $858
64 -9.5% $905
65 -4.7% $953

The SSA provides a discussion of the widow's benefit reduction formula. This reduction formula differs from those used for retiree benefits or for spousal benefits.