“Yes, your own benefit can continue to grow while you collect a survivor benefit. However, we need to clarify how that happens…”
“Your own Social Security retirement benefit can potentially grow even if you are already receiving a survivor benefit. This is because survivor benefits are based on your late spouse’s earnings record, while your own retirement benefit is calculated separately using your work history and the age at which you claim it. As you add additional earnings or delay claiming your own benefit, your future retirement benefit amount may increase, even though you are currently collecting survivor payments.”
Important – see the section titled: “YOUR FILING AGE” spousal benefits and survivor benefits are not the same!
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