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Widow(er) Benefits

What's The Best Way To Calculate Potential Reduced Widow's Benefit Rates?

Hi - I am stumped by this explanation on SSA's website; I had a question widow, who wanted to claim widow's benefit at 62, her FRA 67. According to the chart, if for 67 FRA reduction on $1,000 is to $796 if claimed at 62. Yet, SSA list monthly reduction .339, if I multiply this by 60 months difference I am getting a very different result than $796. Kindly, what am I doing wrong? What's the best way to calculate it?

Friday, April 7, 2023 - 13:06

Shouldn't I Receive My Deceased Wife's Higher Benefit Amount As The Surviving Spouse?

My wife passed away in July of 2021. She had a SS benefit check of $450 a month. I'm a retired school teacher from LAUSD and have a retirement benefit from Calstrs plus a small SS benefit check of $196 a month which is based on the fact that I worked out side of teaching to earn SS credits!!!! Upon the death of my wife should I not receive a higher SS check based on her higher SS earnings as the surviving spouse????

Wednesday, March 8, 2023 - 21:54

What Would My Widow Receive If My Reduced Benefit Rate Increased From 75% To 85% Of My PIA Due To COLAs?

Hi, this question is really getting into the weeds !! Let's say I file for benefits early and am collecting 75% of my You appPIA. I die a few years later. My widow would have a floor of 82.5% of my PIA at her survivor FRA, so would want to wait until at least 62 1/2 to reach that percentage. Now the question - what if my benefit had increased through COLA's to an amount that was now 85% of my PIA, would she now have a floor of 85% rather than 82.5% even though my initial filing was at 75% ?? Thanks a lot.

Thursday, January 12, 2023 - 15:09

Can I Collect On My Deceased Wife's Record Even Though I've Remarried?


My previous wife, Betsy, died in 2006 (remarried in 2021). I’m 65, can I collect on Betsy’s benefits? I called SSA 2or 3 years ago & they said if did I’d be giving up my benefits. I called last month & they said I couldn’t because I wasn’t born prior to 1952. I’ve been reading the book but couldn’t find a clear answer to this.


Monday, September 26, 2022 - 06:32

Would The Early Filing Penalty Follow Me If I Take My Benefits Early And Later Qualify For Survivor Benefits?

Here is a basic question that seems incredibly difficult to find an answer to: If I collect my social security at age 62, but my spouse, the higher earner waits until 70 to collect, would the early file penalty follow me as a survivor? In other words, would I be entitled to the full amount my spouse was receiving at their death if I was the survivor, even though I filed early for my own benefit? Thanks

Tuesday, August 2, 2022 - 07:37

Should I Apply For Widower Benefits Now Or At Age 62?

Hi Larry,
My wife passed away in November of last year and I received a letter from Social Security about widowers benefits. I just turned 60 in January and I still currently work full time (self-employed). I am curious if it is a good idea to start collecting those benefits now or wait until I am 62. Also, on the form SSA-10 it asks me to put in the appropriate monthly limit in which I will not earn more then x amount of dollars. How do I calculate this amount, is it based off the yearly earnings limit of $19,560? If so, I cannot earn more than $1,630 a month??

Thursday, March 17, 2022 - 18:19

Will My Survivor Payments Be Retroactive To When I Turn 60?

I had a hard time understanding the person I talked to on the phone regarding Survivors Benefits.
My wife died in 2017 and I turn 60 on April 10th. My phone appointment is 4/12 and first check I would receive is in June.

Wife wife was on disability for several years.

Are the Payments retroactive for survivors benefits retroactive to April 10th? In other words when I turn 60?

Wednesday, March 9, 2022 - 12:50
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