At what percentage of a worker's PIA does a widow's Social Security benefit equal when claimed at age 60?

When a widow claims Social Security benefits at age 60, she is eligible for a survivor benefit that is a percentage of her deceased spouse's Primary Insurance Amount (PIA). The rules of Social Security stipulate that a widow can receive reduced benefits as early as age 60.

At age 60, the benefit amount is approximately 71.5% of the deceased worker's PIA. This percentage reflects the adjustments made for claiming benefits before the full retirement age, which is typically around age 66 to 67, depending on the year of birth. The 71.5% figure acknowledges the life circumstances of the survivor while still providing significant financial support during a challenging time, balancing the need for early access to funds with the longer-term sustainability of the Social Security system.

Understanding this percentage is crucial for planning and managing finances after the loss of a spouse, as it helps widows make informed decisions about when to claim benefits based on their individual circumstances.