Dear Rusty: My wife will be turning 62 and eligible to collect Social Security this year. We realize it will be a reduced amount. I am 52 and have been the sole income earner for most of the last 20 years. We also have an adopted son who will be turning 14 this year. We realize he will receive a dependent benefit until he turns 18 and this may make the case for filing early. I am confused about widow benefits – will my wife’s early filing affect her widow’s benefit amount? Signed: Confused Husband

This recording presents the viewpoints of the AMAC Foundation’s Social Security Advisory Staff, trained and accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). NSSA and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government. To request additional information, contact our Advisory Staff at 888-750-2622, or email us at SSAdvisor@AmacFoundation.org.