Q. My husband is 66 years old. I'm only 60. We are having an argument about Social Security. He insists on waiting until age 70 to get his full benefits plus the delayed retirement bonus. I say he should take Social Security now. If he doesn't, he'll be throwing away thousands of dollars. But he says he's run the numbers, and he comes out in the long run by waiting until 70 to take his Social Security. Which one of us is right?
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Q: Even though my husband and I lived together for 20 years, we didn't actually get married until two years ago. Sadly, he died last month. When I went down to the Social Security office to file for widow's benefits, the clerk told me we had to be married at least 10 years, so she said I wasn't due anything. She helped me file for the $255 death benefit, and that's all I got. But lately, some friends told me I should be getting widow's benefits. What should I do?
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