你是对的，60 岁可以拿死去配偶的钱，不是50%

They typically go to the spouse, former spouse or children of someone who was eligible for Social Security benefits. ... They can collect survivor benefits from age 60 (50 if they are disabled), at rates ranging from 71.5 percent to 100 percent of the late spouse's Social Security benefit, depending on the survivor's age.5 days ago