Ask Larry

Widow's Benefits

When Should I Apply For Survivor Benefits?

When should I apply for SS survivor benefits after my husband passes? Immediately or wait til the whole estate is settled? He passed at age 66. Before he started receiving his SS benefits he was on disability. When he turned 65 SS changed his status from disabled to straight SS. He continued to receive the same amount. I too am receiving SS. I will be 65 in May. I started receiving my benefits at age 62.


I'm sorry for your loss.

Thursday, February 22, 2018 - 12:22

Would I Be Entitled To Any Veteran's Or Social Security Benefits From My Husband's Record?

I currently receive Social Security Disability, since 2012. I was married to a disabled VET who passed away in 1986 I have never remarried. Would I be entitled to any of his vet benefits or Social Security benefits? I had never included his information when I applied for SSDI, it never occurred to me that I could or should.


My only area of expertise is Social Security, so I can't tell you whether or not you would qualify for veteran's benefits. You'll probably need to check with the Veteran's Administration.

Sunday, February 18, 2018 - 17:39

How Much Would My Wife Get If She Starts Drawing Widow's Benefits At Age 63?

I was born in Nov 1952. My wife was born in May 1960.
I plan to claim social sec benefits at the age of 70 based on my earnings and expect to collect about $40,000 per year. If I die at the age of 71, my wife will be 63 years old at the time of my death. My wife income is much less. In this scenario, what will be my wife's survival benefits if she claims at her age of 63?


Saturday, February 17, 2018 - 10:05

Is What The Social Security Representative Told Me Correct?

I am a widow, age almost 62. My retirement benefits will be smaller than my late husband’s. I thought that if I take my retirement benefits before my full retirement age (a reduced amount), and then apply for survivors benefits when I reach 66, that I would then receive my late husband’s full retirement amount.
But an SS representative told me that there is a new rule. Now, if I start taking my retirement benefits early and then apply for survivors benefits when I turn 66, I will NOT receive my late husband’s full amount. Instead, it will be calculated like this:

Friday, February 16, 2018 - 07:34

Would Filing For Reduced Widow's Benefits Now Affect My Own Social Security When I Reach Age 68?

Greetings! Thank you for this type of venue. I have helped many people in my life and glad to see you are there for some of us. I will be 62 on Apr 11, 2018. I am a widow for 17 years. I recently was laid off and am on severance for 5 months. I believe I am eligible for SS widow's benefits (even with severance) and unemployment. The question is: Will this affect my own ss when I reach 68? Can I enroll for it now to help me? and, what is the min salary I can make without interrupting my late husbands SS benefits? Thanks and God Bless. I really need some good advice. Deb

Friday, February 9, 2018 - 07:35

How Much Will My Wife Receive If I Die?

My wife started drawing Soc Sec benefits on my credit at age of 63. Birthday is Sept ,1942.
I started drawing at 64. Birthday is Dec , 1936.
If I die before her, what will she draw?


If your wife currently receives spousal benefits on your record, she would receive the higher monthly rate that you were receiving in the event of your death.

Best, Jerry

Tuesday, February 6, 2018 - 07:50

Am I Eligible For Widow's Benefits?

I have been hearing a lot about Widow Benefits. My Husband passed away in Dec 2011. I am now receiving his SS being that his was higher than mine. Could I be receiving Widows Benefits as well? I have heard that some are receiving both SS and Widows Benefits. Very curious, please help me here...Thank you in advanced, Judy

Hi Judy,

I'm sorry for your loss.

Thursday, February 1, 2018 - 07:22

Will I Qualify For My Husband's Full Retirement Benefits When He Dies?

I'm 62 and began receiving early retirement benefits last year. My fiance is 68 and receives his full retirement benefit. Once we are married, will I qualify for his full retirement benefits when he dies (assuming he passes after I reach full retirement age)?


Yes, although you do need to have been married for at least 9 months in order to qualify for widow's benefits in most cases. You wouldn't get both your own and your husband's benefit rates, though, just the higher of the two.

Sunday, January 28, 2018 - 07:02

What Happens To My Survivor Benefits If I Remarry Before Age 60?

My husband passed away suddenly approx 5 yrs ago. I now have an inherited IRA-invested. He was only 52. We were married 31 years. I am now 55. I have questions. What happens to my survivor/widower benefits if I remarry before age 60? I believe I loose them but not sure. What happens if I get married then divorced? Do I regain my first husband's back? What happens if I stay married, but my second husband dies?

Monday, January 22, 2018 - 16:28

Will I Get A Partial Amount If I File For Widow's Benefits At Age 60?

Hi my husband passed away in 2007.i collect his pension..i am t8 now and plan on collecting his social security ay the age 60..i plan on retiring in 2 or3 years..i have been working at my job dor 18 yrs now. His social security $ will be more then mine.he worked for liberty lines then the twu took over.he worked all his life.will i get his partial amount..i was going to call and find out.


I'm sorry for your loss.

Sunday, January 21, 2018 - 11:14
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