If one is eligible for spousal survivor bennefits, they should claim that before age 62. That way you can draw that untill 66 or 70 and then draw on your own SS. Once you turn 62 you are locked in on you own.
If you were married more than 10 years and you divorce and your ex-spouse dies, you are still considered a widow/widower and can draw widow benefits at age 60 IF you have not remarried before age 60. Most people don't know this.
If one is eligible for spousal survivor benefits, they should claim that before age 62. That way you can draw that until 66 or 70 and then draw on your own SS. Once you turn 62 you are locked in on you own.”
But if you draw spousal benefits at 62 or before, you lock in at that rate. When you turn 70 and want to take our own, you have to take the rate you locked in at.