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Deemed filing rules do not apply to survivor benefits

An internal SSA report found that agency representatives gave widows and widowers incorrect guidance 82 percent of the time based on a random sample of claims by surviving spouses who were also entitled to claim their own retirement benefits. According to the Social Security webpage, “Deemed filing applies to retirement benefits, not to survivor’s benefits,” so, if you are a widow or widower, you may start your survivor benefit independently of your retirement benefit if you restrict the scope of your application. Read article for more details. Click here…

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