Ask Larry

Widow(er) Benefits

Can My Spouse Be Entitled To Any Part Of My Social Security Even If I Didn't File For Benefits?

I will be 62 in November and eligible to begin drawing social security. I may wait and take my social security benefit to get the maximum amount. And that goes to my question which is --- if I wait to take my social security and I die before I take it, is my spouse entitled to any or part of my social security even though I have not applied to receive it?
Thank you.


Wednesday, October 4, 2017 - 06:20

Can My Friend Still Collect Benefits On His Deceased Wife's Record?

A friend 's wife died four years ago at age 65, my friend did not know he could take the greater of either his or his wife's SS benefit.Four years have past. Can he contact S.S. and collect his wie's SS?


Your friend can certainly file for widower's benefits, but he can likely receive no more than 6 months of back pay even if he would have qualified for the benefits before then. Social Security has a 6 month retroactivity limit for unreduced widower's benefits, and no retroactivity is allowed for reduced benefits.

Best, Jerry

Tuesday, September 5, 2017 - 06:18

Am I Eligible To Receive Benefits From My Deceased Wife's Record?

Am I authorize to receive Benefits from Social Security from my deceased wife even if we dont have kids .I am now married.


You must be unmarried to be eligible for widow(er)'s benefits, unless you remarried after age 60, or after age 50 and you are eligible for disabled widow(er)'s benefits. You must also be at least 60 years old, or at least 50 and disabled. For more information, refer to Social Security's website:

Thursday, June 1, 2017 - 06:59

Am I Eligible For Any Benefits From My First Wife's Record?

Hi Larry,
I am a widower from my first marriage after 22 years of marriage. My wife passed away of cancer. She was 40 and I was 41. I re-married at 48, now I am 58. Am I eligible for any benefits from my first wife?
Thank you.


You can't qualify for benefits on your first wife's record as long as your remarriage continues (

Best, Jerry

Monday, May 15, 2017 - 06:59

Will I Be Eligible For Any Benefits On My Deceased Wife's Record?

My wife just passed away. She was receiving permanent disability for near 17yrs at the time of her death. She was 59 and I am 55 working full time. I gross near six figures in income per year. Am I or will I be eligible for any of her benefits as long as I am working? Will I be eligible for any of her benefits after I retire, rather it be full age or early?


I'm sorry for your loss.

Monday, April 17, 2017 - 06:59

Does Remarriage Bar Entitlement To Survivor Benefits?

I am a young Financial Advisor in need of some clarification on an interesting social security case. I have a couple who are not married yet both age 58 but are considering marriage. The woman, however, is a survivor and therefore should be entitled to her deceased husbands benefits at age 60. It is my understanding that she should file for his survivor benefits at age 60, however do not file for her own, allowing them to roll up. If she and her current boyfriend were to get married. Would she lose her right to her survivor benefit under the new rules?

Saturday, March 4, 2017 - 06:30
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