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Navigating Survivor Benefits and Social Security Strategies
This chapter explores the intricacies of survivor benefits for widows and widowers, detailing eligibility, strategic claiming approaches, and the impact of a deceased spouse's earnings. The discussion expands to include divorced spouses and the implications of pensions not covered by Social Security, addressing vital provisions like the Windfall Elimination Provision and Government Pension Offset. Additionally, the chapter emphasizes the importance of timing in filing for benefits, the relationship between retirement decisions and benefit claims, and the strategic considerations for single individuals and married couples.