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welcome back everybody Bruce Porter joins us now for this weeks dollars and cents segment going to learn all about our finances and how to keep right on track thanks so much for coming back glad to be here good to see okay Social Security today he says but you know you need to know thats right we work many people wondering why the spouse cant receive the social security benefit until the age of 60 so whats up how does this whole thing work what do we need a now Bruce simple question complicated answers so lets break it down a little bay were going to talk about spousal benefit versus survivor benefit so you know the social security blackout period its what theyre talking about why can I not get my benefit till age 60 well that tells me they dont have any children at home so lets assume thats a widow so now she cannot draw on her husband Social Security until shes 60 thats the widows the earliest date the widows benefit is available okay unless shes disabled and if she is