Ask Larry

Widow's Benefits

Should I Start Drawing My Widow's Benefits At Age 60?

I’m a widow and wondering if I should start receiving my husbands benefits at 60?

Hi. It depends on whether or not you're insured for benefits on your own earnings record and if so how your relative benefit rates compare, and whether or not you're working and if so how much you are earning. Until the year you reach your full retirement age (FRA), Social Security would need to withhold $1 of your benefits for each $2 that your earnings exceed the annual earnings test exempt amount. The exempt amount in 2021 is $18,960.

Posted: 
Sunday, September 12, 2021 - 12:13

Should My Widow's Benefit Go Up Now That I'm 72?

I started drawing my widow's social security benefits at. 62 I'm now 72 will my check increase. Does the social security office know my age now???

Hi. No. When you start drawing benefits prior to your full retirement age (FRA), the reduction for age that's applied to your benefits is permanent for any months that you're paid benefits prior to FRA. Therefore, your benefit rate doesn't go up when you reach a subsequent age other than for cost of living (COLA) increases.

Posted: 
Friday, August 27, 2021 - 09:45

Can Or Should I Draw From My Deceased Husband's SS Now?

My husband just recently died at age 58, I am 63 and I still work full-time. Can I or should I draw from on his SS benefits as his widow?

Hi. I'm sorry for your loss. Whether or not you could collect benefits depends on how much you're earning. Social Security would need to withhold $1 of your benefits for each $2 that you earn in excess of $18,960 this year, so if you earn too much you may not be able to draw any benefits.

Posted: 
Wednesday, August 25, 2021 - 12:23

When Do I File For Widow's Benefits?

My name is Louise, I am 51...birthdate is 01/11/1970 , my husband past 1 yr 9 months, when do I file for widows benefits? He was on SSDI...his birthdate is Nov.22, 1959...

Hi. I'm sorry for your loss. Age 60 is the earliest that you can collect monthly widow's benefits unless either a) you are disabled, or b) you have a child in your care who is eligible for benefits on your husband's account and who is either under age 16 or disabled.

Posted: 
Monday, August 16, 2021 - 16:49

Will I Be Able To Collect A Percentage Of My Deceased Husband's Social Security If I Earn $40,000 Next Year?

I am a widow earning $40,000 a year at my job. I will turn 60 in January. Will I be able to collect a percentage of my husband's Social Security and stay at the same income? Thank you!

Hi. You can potentially qualify for widow's benefits as early as the month you reach age 60, but whether or not you could collect benefits depends on the amount of your benefit. If you file for widow's benefits at age 60 you're benefit rate is calculated at 71.5% of your deceased spouse's primary insurance amount (PIA).

Posted: 
Friday, August 13, 2021 - 12:24

What Is The Earliest That My Wife Can Switch To A Survivor Benefit And Get The Full Amount That I Was Getting?

I claimed my Social Security benefit when I turned 70 in March 2020. My wife will claim her own benefit when she turns 65 in May 2022. Her benefit will be smaller than mine. If I die first, what is the earliest date that she can switch to survivor benefit and get the same amount that I was getting when I died? Thank you in advance.

Posted: 
Wednesday, July 28, 2021 - 11:23

Can I Draw Widow's Benefits And If So When?

My husband passed away at age 56, due to cancer. He worked full time up until 3 months before his death. I was 48 when he passed away and our son was 18 years old. I work as a Cafe Manager with the School Board and I am in La Teachers Retirement. We do not pay into Social Security. I have been in Teachers Retirement 26 years. I worked in the public from 1984-1994 and then off and on with second job since 2015. My question is can i draw widows benefits, if so at what age? Any help you can give me would be greatly appreciated.

Posted: 
Sunday, July 25, 2021 - 16:40
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