Ask Larry

Widow's Benefits

Is This Correct?

I worked for 27 full yrs.Having been born in 1949, my FRA would be at age 66. At age 62 I applied for my benefits, base being 1, 266. minus Medicare premium of $187 because my investments did so well last yr. My husband, also born in 1949 kept working. He died at age 63 yr and 8 mos, employed at the time of ,his death. I am now 68 yrs and 4 mos. old. I had planned on waiting until I was 70 to apply for my deceased spouse's benefits, thinking that each year after age 66, his benefits would grow (for me) 8% a year.

Wednesday, April 25, 2018 - 09:29

Will I Be Eligible To Receive My Full Widow's Benefit Even If I Continue Working?

Just wanting to make sure I am clear on this retirement choice for myself. I am still working. Will be 66 (full retirement age) in January 2019. If I continue to work, will I be eligible to receive my full widow benefit from my deceased husband? Wanting to ensure I am making the correct choice. My plan is to continue working for several months after the age of 66, collect his full benefit, which is 2300.00, just to add to my retirement nest egg. I would then retire after doing this for a few months and receive my government pension.

Thursday, April 19, 2018 - 13:42

Can You Help Me Understand How My Mother's Benefits Were Calculated?

My father passed away in February at age 61, my mother is 60 and on disability I used the online calculator on and input my fathers earning record. Calculated that at full retirement age my mothers survivors benefit would be $1813.00 receive benefits at age 50 if disabled . the ssa website says she is eligble for 71.5% =$1296.00 My mother had been receiving $992.

Thursday, April 19, 2018 - 09:50

Is There Any Way For Me To Receive My Husband's Age 70 Benefit?

At age 66 my husband was diagnosed with a terminal Illness and was eligible for disability. Disability insurance required we file for SS benefits. Our plan was to suspend SS benefit when disability insurance expired and live with savings until he reached age 70. Is there any value in me waiting until his 70th birthday to apply for the restricted widows benefit. I am approaching 61 and plan on rejoining the work force, have been home being the caregiver over last several years. My husband was definitely the higher salary.

Thursday, April 19, 2018 - 09:21

What Are My Rights As A Non-U.S. Citizen And Surviving Spouse?

I am a Filipina married for only 1 yr& 8 mos. to a US veteran person and he died a couple of weeks in USA,while I was left here in Saudi as expat worker. We were both expat worker when we met & he exit for about 10 mos ago. i am waiting for spouse visa but sad to say he had not yet filed it before he died.he had been divorce for 21 yrs. before we got married, they have 3 kids and grown up already. his ex-wife married to another man after they got divorce.I would like to know what are my rights as a non-us citizen spouse?
thank you!


Wednesday, April 18, 2018 - 07:59

What Would I Receive In The Event Of My Husband's Death?

I started receiving my social security benefits at full retirement age of 66. (Born in 1949). When my husband turned 66 (Born later in 1949) I applied for spousal benefits and my benefit increased to 1/2 of his benefit. If my husband dies (God forbid) what benefit would I receive? I think I would get his full benefit, but what happens to my benefit? My benefit is 1364 and his is 2754.


Friday, April 6, 2018 - 14:52

Can I Receive Widow's Benefits Now And Then Collect My Full Retirement Benefits At Age 66?

Hello Larry,
I will be 62 in April 2018. My question pertains to my collecting widow benefits now (my husband passed in 2002 at age 58). I am still working and plan to continue until my full retirement age of 66, maybe 70 if I am able. Can I receive widow benefits and then collect my FULL retirement under my record when I reach 66. I think I read the rules that way. Thank you for your help!


Friday, April 6, 2018 - 08:24
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.
$40 Annual Household License
$250 Annual Financial Advisor License