Trying to figure out if my mother got hosed or not. My father died a few years ago, and she had decided to wait until she was at full retirement age (which will hit feb 2013) to claim my fathers social security benefit. After talking to someone who worked in the local social security office she was told that she could start claiming her own SS benefits now with no penalty on my fathers benefits if she waited till full retirement to claim them. So needed the extra money having been laid off at her job she decided to do just that. Later she was told differently by another representative, who said she would be penalized when taking my dads SS because she took her own SS benefits a year early. We were just talking about it today, and I was wondering if she going to end up losing out on a lot of money because of bad advice, since when I calculated it when my dad died she would be getting nearly double on my dads full benefits, and it would really hurt if she ends up losing out on a substantial portion. Anyone have any experience with this kind of thing?