Survivor Benefits

How Does A Young Widow's Earnings Affect Her Own Benefits And Those Of Her Child(ren)?

How does a young widow's income(income from employment) impact her and/or her child's benefit from her deceased husband?

Hi,

Benefits for a young widow with a child in care are subject to partial or full withholding under the Social Security earnings test (https://www.ssa.gov/planners/retire/whileworking2.html). However, the young widow's earnings would not affect the benefits payable to her children.

Best, Jerry

Did Social Security Give Me Correct Information?

Hi Larry,
I've read both editions of your book and truly appreciate the knowledge you have shared with your readers. Today I visited my local SSA office and I hope you can confirm the information they provided - specifically as it relates to the ex spouse benefit should the ex - spouse pass. (You mentioned that SSA offices unfortunately have reps who aren't up to speed on all the provisions of the SS law and don't provide correct information at the expense of the retiree.)

How Long Must You Have Been Married To Qualify For Benefits On A Deceased Spouse's Record?

IS THERE A NUMBER OF YEARS THAT YOU HAVE TO HAVE BEEN MARRIED IN ORDER TO COLLECT ON A DECEASED SPOUSE'S SOCIAL SECURITY? I WAS TOLD YOU HAD TO BE MARRIED 10 YEARS. I HAVE NEVER REMARRIED AND I AM NOW 60 YRS OLD. I WANT TO STILL WORK, BUT COLLECT ON MY DECEASED HUSBAND'S SOCIAL SECURITY. (SURVIVING WIDOW'S BENEFITS)

Hi,

Can You Answer These Questions?

• If I file and suspend now, at age 62, would my wife (age 49) collect spousal child-in-care for my disabled adult son (disabled before age 22) at a rate equal to half of my early (age 62) retirement benefits?
• Would my disabled adult son also collect benefits at that rate?
• If my wife took spousal child-in-care now at that reduced rate, would she still be able to take her full spousal benefit at age 67 (i.e., at 50% of my full age-70 benefit, when I plan to retire)? Or would she be forever stuck at 50% of the age 62 benefit?

Is It True That The Survivor Rate Payable On My Record Would Be Higher Than My Own Rate?

I'm really baffled by something.

I reached my full retirement age of 66 yesterday and am planning to retire sometime in 2017.

My SS statement on the SS website notes that I've reached FRA and can receive $2,615 per month at this time. It also says that if something happens to me, my survivor is entitled to receive $2,634 per month at full retirement age.

Could My Cousin's New Wife & Child Get Benefits On His Deceased Wife's Record?

My 72 year old cousin is collecting Social Security benefits based on his deceased wife's earnings. He remarried and has a 10 year old daughter. Is his daughter eligible to collect on his former wife's earnings?
And when he dies, will his now wife of more than 10 years be able to collect benefits based on what he was collecting. The Social Security office has no record of his earnings.
Thank you

Hi,

No, your cousin's new wife and her child would not be eligible for benefits on his deceased wife's record.

Best, Jerry