medium · Certified Financial Planner Retirement

The Greer household is evaluating Social Security benefits. The higher-earning spouse delayed claiming until age 70.

How does this decision impact the 'Survivor Benefit' available to the lower-earning spouse upon the higher-earner's death?

  1. The survivor benefit is capped at 50% of the deceased's Primary Insurance Amount (PIA).
  2. The survivor benefit is reduced if the deceased was already receiving Medicare Part B.
  3. The survivor will inherit 100% of the deceased's actual benefit, including all delayed retirement credits.
  4. The survivor benefit excludes all delayed retirement credits earned after Full Retirement Age. under the facts given in the stem

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