Can a surviving spouse file for survivor benefits at age 60 and then switch to their own benefits as early as age 62?

The correct response indicates that a surviving spouse can indeed file for survivor benefits at age 60 and later switch to their own benefits at age 62 without being impacted by deemed filing rules. In this context, deemed filing refers to the requirement that a claimant must take all available benefits when filing for either their own benefit or spousal/survivor benefits if they are at least full retirement age.

Survivor benefits can be claimed as early as age 60, allowing the surviving spouse to receive a benefit based on their deceased spouse's work record. When the surviving spouse reaches age 62, they have the option to switch to their own retirement benefits. This transition is permitted, and they can choose to take whichever benefit is higher, whether it's the survivor benefit or their own benefit.

Deemed filing rules typically apply to individuals who are eligible for both their own retirement benefits and spousal benefits, requiring them to file for both if they are of full retirement age. However, this does not extend to survivor benefits. Therefore, the option confirming that deemed filing does not apply for spousal benefits is accurate, providing the flexibility to switch to their own benefits as they choose without the constraints imposed by deemed filing.