Ask Larry

Widow's Benefits

If I Wait Until Age 70 To Collect My Deceased Husband's Benefits Will It Include DRCs?

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.

Wednesday, April 26, 2023 - 12:00

Is It True That I Can't Collect My Deceased Husband's Benefits For More Than The Past Nine Months?

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

Tuesday, March 28, 2023 - 13:41

Will I Be Unable To Collect Widow's Benefits From My Second Husband's Social Security Since We Married Before I Reached Age 60?

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.

Monday, March 27, 2023 - 15:05

If I Wait To Collect My Deceased Husband's Benefits Will COLA Increases Be Added To His Benefit Amount?

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,

Friday, March 3, 2023 - 11:58

Can I Expect To Receive A Higher Widow's Rate Than I Was Told Last Week?

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:

Wednesday, February 1, 2023 - 16:43
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