Ask Larry

When Should a Disabled Worker Collect Widow Benefits?

Dear Larry,
Dear Larry,
When should an age 55 disabled worker take her widow benefit. Her husband died this month. thanks, Kody

Hi Kody,

She should take her reduced excess widow benefit immediately. The excess widow benefit is the difference between her widow benefit and her retirement benefit. This excess will then be reduced by 29.5 percent. But since your client's husband died after she started collecting her disability benefit, the reduction applied to her excess widow benefit will be eliminated when she reaches full retirement age. Hence, taking her excess widow benefit early does not entail a permanent reduction in the excess widow benefit.

My best, Larry

Jun 17 2016 - 5:30pm
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.