Your decision could affect your family

Your spouse may be eligible for a benefit based on your work record (spouse benefits are reduced if claimed before the spouse’s full retirement age). If you die before your spouse, he or she may be eligible for a survivor benefit based on your work record, particularly if you have earned more than your spouse over your lifetime.[b] If you begin receiving Social Security benefits early, [/b]we cannot pay your surviving spouse a full benefit from your record. Also, if you wait until after the full retirement age to get benefits, your surviving spouse—if he or she is at least full retirement age—generally will receive the same benefit amount that you would have received.

Your children also may be eligible for a benefit on your work record if they are under age 18 or if they have a disability that began before age 22. For them to receive benefits, you must be getting benefits, too.

что имеется ввиду -early? до 70? или 65? для мужчины
http://www.ssa.gov/pubs/10147.html#keepworking

ответ здесь

http://www.ssa.gov/survivorplan/survivorchartred.htm