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Survivor Benefits and the Implications of Your Filing Decision

As we’ve stressed repeatedly to those we’ve counseled over the years, consideration of survivor benefits needs to be a critical part of the decision on when to begin drawing retirement benefits. In summary, filing early (before full retirement age) will have the effect of reducing benefits available to spouses, while deferring beyond full retirement age will add to their value. This typically makes deferred filing beneficial, if it fits the rest of the circumstances associated with the filing decision. Check out a post by The Sun’s John Spoto here for more thoughts on this topic.

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