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<<Question: If the larger benefit recipient dies will the surviving spouse receive the other's benefit OR will the deceased's benefit be reduced by the factors which were applied when the survving spouse took age 62 retirement? >>

Depends on the age of the surviving spouse. If they are 65 or older when the recipient dies, they continue to receive their own payment and additional dollars so that the monthly payment equals the deceased's check. If they are under age 65, the person still gets their own check and the additional dollars due the surviving spouse are reduced by the number of months prior to age 65 they are at the time.

So if someone gets $500 and deceased got $800, the survivor still gets the $500 and the additional $300 would be reduced if they are under age 65.
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