The Simply Retirement Podcast

Q&A: Understanding Differences between Social Security Spousal vs. Survivor Benefits (Ep. 89)

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Social Security decisions can feel overwhelming, especially when trying to understand spousal and survivor benefits. 

What benefits are you entitled to based on your spouse’s record? When should you claim them?

In this Q&A episode, I address two common Social Security questions that women face. I walk through the step-by-step process for determining spousal benefits for married couples and explore the strategic decisions widows face when choosing between their own retirement benefit and survivor benefits. I also share practical guidance for a recent widow navigating cash flow challenges, work decisions, and benefit timing in the early months after loss.

Key points:

  • The six-step process to determine spousal benefit eligibility and calculate the maximum benefit amount
  • How survivor benefits differ from spousal benefits and why this distinction matters for your strategy
  • Why starting one benefit early while delaying another can maximize lifetime Social Security income
  • Cash flow considerations when facing the decision to return to work while receiving benefits
  • The importance of sequencing decisions rather than rushing to solve everything at once
  • And more!

    • Resources:

    • Get Your FREE Simply Retirement Roadmap 
    • #47 – Three Game-Changing Social Security Strategies
    • #37 – Top 5 Questions on Social Security Survivor Benefits
    • #24 – Understanding Spousal (and Ex-Spousal) Social Security Benefits
    • Ultimate Guide to Women’s Social Security Success
    • Navigating Life After Loss: 3 Part Episode Series
    • Tax and Retirement Planning Cheat Sheet (updated for 2026)

      • Connect with Eric Blake: 

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      • Blake Wealth Management
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        The Simply Retirement PodcastBy Eric Blake