My new client is a widow. She was married for over 20 years, became a widow 14 years ago when her husband was 54, she is currently 63, she currently works, and she hasn’t remarried. I’m an investment manager and not a financial planner, so any guidance on the following questions are appreciated. Since he would have been beyond his FRA today, is she eligible to take his full SS benefit as a survivor benefit today or is that amount reduced because she hasn’t hit her FRA? Her SS benefit will be substantially less at FRA than his. If her survivor benefit is reduced today, will it be increased to 100% of his benefit once she hits her FRA? Since she makes more that the SS limit, is she subject to the penalty for claiming his SS prior to her FRA?