Ask Larry

Widow's Benefits

Is There A Way To Check To See If I'm Getting The Right Amount?

My husband died in 2001. His income for last 20 yrs averaged $225, a year. The 15 yrs. prior were good earning years but not as much. He received SS for a year before his death. Social security said they didn't have record of 3 of his earning years. Could this have an effect on his SS check? If so, then my check (I get his SS) could be effected also. I receive much less than most of the people I know. Is there a way to check if he received the correct amount? Thank you for any help you are able to offer.

Hi Marilyn,

Monday, July 3, 2017 - 10:12

Should My Wife File On Her Own Record At Age 62 If She Will Later Become Eligible As A Widow?

I will begin taking social security when I turn 70 this November. My wife is 10 years younger than me and I expect her to outlive me by at least 25 years. Should she file for her own benefits when she turns 62, since she will file for survivor benefits when I die? Her SSA calculated max benefit at age 66.5 is $1222. My benefit is projected to be $3262.

I have told her if I die before she turns 66.5, live off savings (they are adequate) until she turns full retirement age then file for survivor benefits. Is this good advice?

Thank you.


Monday, July 3, 2017 - 07:54

Do You Have Any Suggestions?

I have a mess. My husband died in 2012; he was drawing social security. I took the reduced widows rate @ 59 yrs old because I had not worked in years and needed to survive. Then I was asked last year to consult with an organization. I wasn't concerned because I knew that I would not reach the $15,900 threshold to affect my ss benefit --- Now, I have been offered a full-time position with another organization that will push me into the $60,000+ income range. I still will have a little consulting income in the mix.

Sunday, June 25, 2017 - 07:30

Can I Get Retroactive Widow's Benefits?

I am 64 years old. I was married for 13 years when my husband died. I was 32 and pregnant. I collected widow's benefit until I remarried and then it went to my kids until they were 18. I remarried a couple of times but divorced my last husband in 2009. I contacted the SS office and can get SS from my first husband. My question is should it be retroactive back to when I was 62 and can I continue to get his and let mine grow until I am 70 or beyond if his is more than mine would be?


Sunday, June 25, 2017 - 07:15

If I Remarry, Could My New Wife Receive The Widower's Benefits That I Now Receive In The Event Of My Death?

collecting dead spouse social security (larger than mine) want to marry but if I die, will new wife get the social sercurity I now receive


No, your new wife could never qualify for benefits on your deceased wife's record. However, your new wife could potentially file for widow's benefits on your record if you die first, even if you weren't receiving your own retirement benefits prior to your death.

Best, Jerry

Tuesday, June 13, 2017 - 07:49

Is There Any Way To Receive Benefits And Let My Widow's Benefits Grow?

I am 59 years old and just lost my husband in March of this year. He was 55. He was also the major breadwinner. I worked throughout our marriage but mostly part-time. As I understand it. I am not able to receive widow's benefits until I turn 60. Is there a way to receive benefits while letting his social security grow. I plan on continuing work also. Thank you.


I'm sorry for your loss.

Tuesday, June 13, 2017 - 07:16

Am I Entitled To Any Widow's Benefits?

Hello Larry,
I am 61 years old and still working and earning less than 24K annually. My husband of 20+ years passed away 10 years ago at the age of 55, and I have not remarried. He was not drawing any benefits at the time as he was still working. Am I entitled to any widows benefits? Have I missed out on any benefits due me by waiting so long?


I'm sorry for your loss.

Wednesday, June 7, 2017 - 16:42
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