At what age can you collect Social Security benefits based on your spouse's work record if you are a surviving spouse?

A surviving spouse can begin collecting Social Security benefits based on their deceased spouse's work record starting at age 60. This age is established by the Social Security Administration for individuals who are survivors, allowing them to access benefits early if needed following the loss of a spouse. It's important to note that while survivors can begin benefits at this age, the benefit amount may increase if they choose to wait until reaching their full retirement age.

The age of 60 is significant because it reflects the consideration of the challenging circumstances faced by widows and widowers and acknowledges the financial need that may arise after the loss of a spouse. Therefore, age 60 serves as a critical benchmark for accessing these benefits, differentiating it from the standard retirement ages that apply to other beneficiaries.