Widow's Benefits

If I Take Spousal Benefits At Age 63 Would My Rate Increase To My Husband's Full Rate If He Dies When I'm 66 Or Older?

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Hello,
My Husband plans to take his delayed SS benefit soon at age 68. If I take the spousal benefit at age 63 would my future Widow benefit increase to his benefit amount if I were 66 or more at the time of his passing? Or would it be reduced because I took the spousal benefit at 63? I do not qualify for any benefit on my own record.
Thanks for your help!
Joy

Hi Joy,

Can My Wife Switch To Survivor Benefits When I Pass Away?

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Hello,

My wife is currently collecting her social security , she started at 62 and is currently 67. I have recently found out I have Stage 4 prostate cancer. I will be retiring form my job and I am 69 years old. I will start my social security in April. My social security will much more than what my wife's is, can she switch to survivor benefits when I pass away and will she did my amount ?

Hi,

I'm sorry to hear about your illness. Best wishes throughout the course of your medical care.

If I Defer SS Benefits Until Age 70, Will My Wife Receive My Age 70 Rate Or My Full Retirment Age Rate As A Widow?

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Larry: Here’s a scenario that I haven’t seen covered yet; My wife and I have both worked enough to qualify for Social Security benefits; My monthly benefit will be roughly double hers. She’s eight years younger than me and I expect her to live into her 90s. Unfortunately, I have health issues that will most likely prevent me from living past my early 70s. Given these probable conditions, here are my questions: If I defer SSA benefits until age 70, will my wife receive my elevated (roughly 128%) benefit, or will she only receive my 100% benefit in lieu of hers?

What Does My Wife Need To Do To Maximize Her Benefits When I Die?

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Hi Larry & Jerry-

My wife began taking her benefits when she reached her FRA of 66. I am 18 months older than she is; once she reached her FRA and filed for her benefits I began taking my spousal benefit on her account.

As a result, I delayed taking my own benefit until I was 70 years old. Once I began taking my delayed retirement benefit she began to take her spousal benefit on my account which, when combined with her benefit, took her monthly benefit payment up to 1/2 of my PIA.

Will I Get More Of My Husband's Benefits Now That I'm 66?

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My husband and I were married 9 months and 22 days before he passed away on April 4, 2016.He as 66, born in 1949 . I was 63..He received $2400 dollars in SS a month..I only got about $1000 of his added to mine..Obviously he made more than me..I started getting SS at 62.. Will I get more from his now that I'm 66, my full retirement age? THANKS, GAIL

Hi Gail,

I'm sorry for your loss.

Can I Collect My Late Husband's SS Now At Age 60 While I Work Until Age 62?

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I am 60 years old Can I collect my late husbands SS while I work til 62

Hi,

That depends on how much you're earning. If you file for widow's benefits in 2019, Social Security would likely need to withhold $1 of your benefits for each $2 that you earn in excess of $17640 (https://www.ssa.gov/planners/retire/whileworking.html). That could result in either full or partial withholding of your benefits depending on your benefit rate and how much you earn.