Ask Larry

Am I Eligible For Widow's Benefits?

My husband passed on Sept 13 this year and he was 62 and on ssd I am 61 and on ssd also Itried to file for survivor benefits and was told by someone at social security that I wasn't eligible until I was 67 everyone is telling me that it wrong what's the scoop do I contact social security I am low income now

Hi. I'm sorry for your loss. Assuming that you were married to your husband for at least 9 months and that his benefit rate was more than your benefit rate, then you should be eligible for widow's benefits now. Your widow's rate would be reduced for age if you start drawing prior to your full retirement age (FRA), but that reduction would go away when you reach FRA as long as you were drawing Social Security disability (SSDI) benefits before you started drawing widow's benefits.

The only way to apply for survivor benefits at the present time is by phone. You can insist on applying for benefits no matter what you're told by the people at Social Security. You can call Social Security at 800-772-1213 to make an appointment to apply for widow's benefits.

Best, Jerry

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Posted: 
Nov 10 2021 - 6:27pm
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