Ask Larry

Does The Amount I'm Being Paid Sound Correct?

My husband of 43 years passed away 5/2020. I was given only $188 from his social security he collected around $1100, mine was about the same. I was expecting much more does this sound right.

Hi. I'm sorry for your loss. I don't have enough information to know for sure, but you're probably getting the correct amount. The surviving member or a couple can only be paid up to roughly the higher of their two benefit rates. They can't collect both benefits at the same time.

Since you were already drawing your own benefits when your husband died, the amount that you could be paid as a widow is equal to the difference between your own benefit amount and the higher of a) your husband's benefit rate or b) 82.5% of his primary insurance amount (PIA). And, assuming that you're at least full retirement age (FRA), that amount would then be paid in addition to your own benefit rate.

Best, Jerry

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Posted: 
Jun 9 2021 - 9:07am
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