Ask Larry

Will I Be Able To Collect Both Social Security And The Spousal Annuity I Receive From The Department Of Defense?

Currently I am receiving a Spousal Benefit Program annuity from the Dept of Defense since my husband passed away in 2016. He served in the Navy for 21 years and retired in 1993. I am soon to be of full retirement age myself and have worked in the medical field many years (non-military). Will my Social Security be offset due to this annuity? Will I be able to collect both?

Hi. I'm sorry for your loss. My expertise is limited to Social Security benefits, so I don't know whether or not collecting Social Security benefits could affect your spousal benefits from the DOD. I can only tell you that the payments you're receiving from the DOD wouldn't have any adverse effect on any type of Social Security benefits for which you may qualify.

You may want to strongly consider using our software ( to fully analyze the options available to you in order to determine your best strategy for maximizing your Social Security benefits.

Best, Jerry

Aug 2 2021 - 7:45pm
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