I will be at full retirement age in Dec 2023. My spouse passed at age 40. His as benefit is higher than mine. I am still working. If I wait to collect his benefit when I’m 70 will it include the DRC?

Hi. No. Surviving spouses can't earn delayed retirement credits (DRC) by waiting past their full retirement age (FRA) to claim survivor benefits. Therefore, you would not want to wait past your FRA to claim survivor benefits.

Hello, I have been receiving my SS benefits since my husband passed away in July 2020. I realized that I could be receiving more under my husband's
name. When I called the SS office; I was told I can only receive his benefits for the past 9 months instead of when he passed away. Do you know
if that is true or not? Kind Regards, Karen

i was married for 15 years, divorced and remarried at age 50. I keep reading that you forfeit survivor benefit if you remarry before age 60. I am currently married 3 yrs in my second marriage. So does this mean if I become widowed I would not get my 2nd husband survivor benefit when I turn 60.?Is that what they mean by marriage penalty if married before 60 ? My 2nd husband benefit earning is higher than my 1st husbands.

Hi Larry,

Hi Larry,
My husband was receiving his social security at his FRA when he passed away last August 2022. I was told that if I applied for survivor benefits at my age of 62, I would only receive 80% of his benefit. My question is if I wait to collect his benefit, would his social security benefit be affected by the cost of living allowances & increase or because he is deceased will the amount will stay the same? Thank you,

Will I Receive the Social Security 2023 COLA if I am a widow and my windexing year is 2021? My dated of birth is March 1961, but my husband passed in 2019.

My husband died of Covid in 2021 our children are grown and I’m in my 50’s we’re told I can’t get widow benefits to young I didn’t no to be considered a widow my spouse can’t pass till I’m 60 that’s when I will be considered a widow ?

Hi Larry, I bought your software a few years back to learn my best strategy for claiming Unreduced Widow's benefits (husband died at age 53 in 2006). Following your strategy I claimed at age 62 on my own work history while awaiting and growing my husband's larger claim. I reach FRA 01/2024. Two questions:

Iam 68 i receive my ssi and a small widows pension. I have been told that I can collect my husbands ssi instead because he was the main income and i got injured and was only receiving disabilty. How does that work?

My husband and I have been married 13 yrs (together 25th). I’ve always been a housewife and would rely solely on my husbands SS benefits upon his retirement. I’m 63 and my husband is 49. Will I be eligible for widows benefits if something should happen to him as I’m over 60?