Ask Larry

If I Marry When I Turn Age 60 Can I Collect My Widow's Benefits?

If I MARRY WHEN I TURN 60 CAN I COLLECT MY WIDOWS BENEFITS

Hi. Yes, at least potentially. A remarriage at age 60 or later doesn't not prevent a person from qualifying for survivor benefits on the record of a former deceased spouse (https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0406.html), however, you must meet the other requirements for benefits. The requirements for widow(er) benefits are outlined in the following section of Social Security's handbook: https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0401.html.

Note that there is an earnings test that applies until you reach full retirement age (FRA), though, so any widow(er) benefits for which you qualify could be subject to full or partial withholding if you work and earn too much. In 2022, the earnings test requires Social Security to withhold $1 of a person's benefits for each $2 that they earn in excess of $19,560.

It sounds like you may want to strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully analyze all of your options so that you can determine your best strategy for maximizing your benefits.

Best, Jerry

Posted: 
Jul 28 2022 - 7:05am
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