Widow's Benefits

How Many Months Can I Claim Widow's Benefits Retroactively?

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My DOB is May 1952 and my deceased husband's DOB was April 1951. I used the Maximize My Social Security software, which showed that with one exception it would be best for me to take my social security benefit at my FRA (66) and for him to start taking his spousal benefit, while letting his benefit grow to age 70, because his was greater. (The one exception would be if my husband should die within the first year, which as it turned out is what happened.) We applied for these benefits in November 2018 and received 6 months retroactive payment to the month that I turned 66.

Do You Have Any Idea How This Can Happen?

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Hi Larry. I just spoke to my neighbor who lost her husband approx 15 years ago. It can to my attention that she is not getting the much needed social security benefit of her deceased spouse. According to her she was denied her because she made too much money and she was a government employee. And she was denied spousal (widow) benefits of her deceased husband because he worked for the city of Detroit (Mich). I never heard of anything like this. He paid into social security for years! Is she entitled. Any idea how this can happen?

Hi,

Am I Eligible To Take Widow's Benefits At Age 60?

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Hi Larry my estranged husband was on SSD and getting 1700 a month and passed away 3 years ago. i have not remarried. At that time i was told i could receive widows benefit at 60 for 1600. Am I eligible to take widows benefits at 60? will it be reduced be cause of his SSD can I file and not touch my own SS until i'm at FRA or later? or will i be viewed as deeming and reduce my own benefit?

Hi,

What Options Would My Wife Have If I Die Before She Reaches FRA?

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Hopefully these questions are generic enough that you can address them.

My wife is 9 years younger than I and given the longevity difference my plan has been that I need to provide for 16 years of financial support for her after my death.

To accomplish that we determined that I would wait until age 70 to collect my benefits to provide her with the maximum survivors benefit. Originally we planned on her collecting benefits on her wages at 62 then switching to her spousal benefit at her FRA.

What Are The Two Ways That WIdow's Benefits Are Sometimes Calculated?

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I am currently reading your book 'Get what's yours'. Two questions:

1. You mention that if spouse dies before the age of 62, surviving spouse benefits are calculated two ways and higher of the two is given.
What are the two ways this is calculated?

2. Is the withdrawal period for surviving spouse benefits also at 12 months? If I get a job, I can return the benefits received and treat as though never applied. Do I have 12 months to make this decision?.. and from date of application or from date of benefit being paid?

If I Die Before My Wife Reaches FRA Would She Get 100% Of My PIA?

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I am 62 and still working although my life expectancy is likely lower than average due to a liver transplant in 2002. My wife is age 60 and draws about $750 a month in SS disability. I am considering applying for disability as I was on it for 4 years after transplant and have enough health issues I feel it is a good bet I can get re-approved. If I pass away either prior to filing for SS or after disability does my wife get Widows benefits of 100% of my PIA even if I die prior to her being 66 10 months (her FRA)?

Hi,

Can You Explain This Mess?

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I am in a confused state of mind because of the Social Security personnel. My husband passed away March 21, 2019. He was 75 years old. I am 70. The SS would deposit into our savings acct. each month $2,492.00 (his benefit) and 774.00 (my benefit). On March 20, Social Security deposited these amounts as usual. April 9, I received a letter from SSA stating that my monthly benefit changed to 1,774.80 starting in March, 2019 because of my husband's death. Also, it said that I was entitled to to a SS payment of 225.00 because of his death.