老張退休後, 其妻如果達FULL退休年齡...

老張退休後, 其妻如果達FULL退休年齡可以領取老張的1/2的Social Security Benefit.

老張退休後, 其妻如果62-FULL退休年齡之間, 領取不到1/2的老張的Social Security Benefit.

老張死後, 其妻可以領取老張的100%Social Security Benefit.

https://www.ssa.gov/oact/quickcalc/spouse.html