I was married for 27 years to my first husband before divorcing. I married someone else from 2002 to 2005 and divorced. I was still working and started collecting half of my first husband’s benefit at age 66 in 2014.

If your loved one dies, Social Security will give you a one-time lump sum payment of $255 — an amount that’s remained the same since 1954. But if it were adjusted for inflation, that benefit should now be worth more than $3,000.

According to the Urban Institute, more are choosing to take Social Security benefits early at 62, instead of waiting till 70.