Ask Larry

Widow's Benefits

How Is The Reduction For Age Applied To Widow's Benefits?

Hi, I am still a little confused about the widow's limit and the application of the 82.5% cap. If I claim at 62 and am receiving 75% of FRA, then I get that the widow would be entitled to 82.5% instead. But I still do not understand why that would occur around 62 1/2 rather than at the survivor FRA. I understand that the reduction table shows a reduction to 82.5% around age 62 1/2, but it seems that the reduction would apply to the max benefit available (82.5%) and not to the FRA benefit amount.

Monday, January 2, 2023 - 14:10

If I Pass Away Would My Wife Be Able To Collect On My Social Security Record When She Reaches Age 60?

I am currently 65 years old and plan on taking my Social Security retirement when I reach full retirement age of 66 years and six months. I am nine years older than my spouse and my question is if I would pass away would my wife be able to collect on the Social Security that I paid all the years once she reaches the age of 60? If so, how much.

Monday, December 19, 2022 - 15:28

Do You Think It Will Do Me Any Good For Me To Appeal Social Security's Denial Of Widow's Benefits?

Hi Larry I am asking this question because I'm not sure what to do I applied for widow's benefits they denied me I'm appealing it I don't know if it'll do any good but I was only married to him for a little over 5 months before he passed away but I was with him for 27 years we have four children he even raised my two boys I had from ages three and four and I'm not sure if it's going to do any good to appeal so I would like your input on that thank you

Thursday, December 1, 2022 - 15:51

Not A Question

Not a question but an angry widow. Collected ss at age 66. Husband died 5 months later age 59. Funeral hame never notified so I never received anything. I was a total mess. Around Oct of 2021 I called ss asking if they could check to see if widows be edits would be larger. They said probably not because he was so young amd I made more money so why bother? Also asked about the clause I could pay back what I got and go on widows. Said I would take a large hit amd would cost a lot and wasn’t guaranteed so no money for awhile. Call a few times more and told other stories.

Tuesday, November 29, 2022 - 07:59

Shouldn't My Survivor Benefit Rate Be Higher?

Hi Larry, My husband was on s.s.disability due to extreme illness and inability to work for 30 years, and I who was married to him for 41 years was his caregiver and took care of him full time. After he died in Nov. of 2021, it took until February to finally get approved for survivor's benefits. Unfortunately because I had just turned 60 yrs old, they only give me 71% of what my husband's monthly disability amount was when he died.

Monday, November 21, 2022 - 11:57

How Does Social Security Calculate Combined Benefits For A Widow?

Hi - a widow wants combine benefits. She had a deceased spousal benefit of approx, $2000 and her own benefit of approx. $1500. She was 62 and wanted to claim early, FRA 66. Husband passed at 68. Isn't it true that if she were to claim all she was eligible for, she would receive $2000 reduced for early claim? Or would ssa calculate based on her own $1500 with 25% reduction = $1125? She is questioning, a receipt of both benefits. Thank you

Friday, November 11, 2022 - 18:01
MaxiFi software running on a laptop
Get What's Yours!
Discover tens of thousands in extra retirement dollars with Maximize My Social Security software!
  • Find your maximized strategy
  • Unlimited what-ifs
  • Step-by-Step filing instructions
  • Our software's lifetime-benefit increase for an illustrative couple earning $65K each and planning to take retirement benefits at 62.

    Results will differ based on your specific case and filing strategy.

Getting Started is Easy
Web-based software. Works on ALL browsers. No download.