Social Security Survivor Benefits 101 - How It Works
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- Опубліковано 23 сер 2024
- Social Security Survivor Benefits 101 covers the basics that everyone should know about the Social Security Survivors Benefit. This video covers three different scenarios: what the survivor receives if their spouse never filed for Social Security, what they receive if their spouse filed for Social Security at Full Retirement Age (FRA) and what they receive it their spouse filed for Social Security before full retirement age.
Shown below is the survivor payment "haircut" schedule discussed in the video. Note this is current as of 2020.
Survivor's Age - % of Deceased FRA Payment
Age 50-59* - 71.50%
Age 60 - 71.50%
Age 61 - 75.58%
Age 62 - 79.65%
Age 63 - 83.72%
Age 64 - 87.79%
Age 65 - 91.86%
Age 66 - 95.93%
Full Retirement Age and Beyond - 100%
* This applies to those who are disabled only
Important Links:
Federal Reserve Board Survey of Consumer Finances:
www.federalres...
Social Security Administration Application for Benefits
secure.ssa.gov...
Current Social Security Cost of Living Adjustment
www.ssa.gov/cola/
Social Security Payment Estimator
www.ssa.gov/be...
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Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
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Thank you . I’m 28yrs old with 2 under 2 and recently lost my husband to a battle with cancer. I have no idea about SS and never thought I’d be here at this age. I truly appreciate this. ❤
So sorry for your loss, such a tender age 🙏🏽 🤲
I’m so sorry honey so young. I hope he had life insurance for you guys
Wow, the first person to explain the widow's benefit if the deceased spouse retired early.
There is another survivor benefit, which I am getting. I was married for over 10 years, then divorced... the 10 years is a requirement. Neither of us got remarried. My ex passed away when I turned 60, and I had heard about this, so went for an appointment with social security. I had to bring paperwork, such as marriage certificate, death certificate, and they will tell you what else if anyone else does this. Anyway, I could sign up, but, the payments were like if it was my social security taken early, and anything over a certain amount that I made working became for every $2 they would take $1 out of the payment, so I did not get anything, because I made too much. BUT.... I signed up, because I am a little paranoid and had no idea what my future would be, and I might need it, is what I thought. SO ... 6 years down the road, I find out that at full retirement age, I am entitled to the whole payment, and can make as much as I am able to!!!!! I used that money then to pay off my house, and am still working... ta da..... BUT... at anytime I can switch over to my own retirement social security benefit.... so that is sort of like money in the bank growing for me... I never had much money, and did not understand a thing about retirement investing, so any little helps.
Even With that 1 dollar taken from you for every 2 earned, you should be getting a half of what you were in title. Didn’t you?
Are you writing a novel here? 😢
@@HanNguyen-vb3eoThis is for adults only. Go back to the playground and play with the children. Real Talk
Thank you for your novel, it was very informative! 👍🏼
Well you help answer more than what any of these guys making videos have so far I was wondering if I could take my ex. Husband's half of his social security. First and then I could take mine say at age 68
I’m about seven years away from full retirement age so I started reading and watching UA-cam on benefits from Social Security. Yours is the most concise and easy to understand. Thank you for putting this information together.
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Thanks for this video. My husband just passed. He hasn't even been buried yet and I was wondering how to go about all this and what to expect after he was buried and I had some time to think about this. Thank you for making it a clear for me.
You are welcome Nubia. I’m sorry to hear about your husband.
Hello. I work with the United States 🇺🇸 Army. This is my private account. I'm single. I would say your Name attracted me. 🌹
You are a part of such a great group of financial planners. Devin Carroll, Josh Scandlin and Lane Martinsen. Love your videos
Wow, thank you!
Fantastic, you covered all the points. I was mystified when I started receiving a check when my wife passed. I was 55. She was 60, but drawing under disability. I earned more than her, so I expect I will swap over to my benefit at some point.
You made it simple to understand!
Thanks man!
You've got it!
Hey Holy. Can a adult that has long been disabled since before he was age 22 receive survivor benefits from both his long deceased father AND simultaneously recently deceased mother. Both parents were past FRAge on SS retirement at time of death. It is one check for exactly 75% of his late father and another check for 75% of his late mother’s benefit.
If and when can a surviving disabled “child” receive 75% of BOTH deceased parents’ SS?
Holy Schmidt! Excellent video ..crisp and clear with a nice haircut ! Thank you!
Thank you for posting this particular video. One of your scenarios touched very close to my situation.
My husband passed at age 63. He was still working. I was 58 and on disability when he passed.
We had a long term marriage, 4/24/1982 until 2/14/2015, the day he passed.
I called SS bc I wasn't sure what I could expect. At first, SS told me 100.00+ (cannot recall exactly, but it was not even 200.00). Then after I talked to a few people, I called them back, and then was told it was to be 300.00+. Turns out it was 363.00. I'm still drawing my disability, plus the 363.00. However, from what I understand your video to say, I should be drawing 71.5 percent of his, which at age 63, when he checked it, was 1600.00, or around that. I just know he checked before he passed. He wasn't going to give in to the cancer, and he checked the SS amount.
He worked until the week before he passed. He was a strong-willed man, and he is missed every day.
Thank you!
Well, it's been a few weeks since I posted my question. I would very much like to have an answer. TIA.
You don’t get 71.5 of his, plus your disability SSI, do you? I don’t think so… that would be two sources of SSI.
Remember, you get the larger of the two, or it sounds like in your case, the difference (additionally) from your spouse.
@@markcummings6856
I guess I misunderstood what he said. I thought he said the exception was the spouse was 59 and on disability, and the deceased was retirement age. I was 58 and on disability, and my hubby was 63. I'm not sure how it all works.
Thank you for responding.
@@galemenzel1565 You could re-watch the video for an answer rather than wait for Mark to respond, maybe he does not have notifications turned on. But, I believe you are correct, another thing is you could call your local social security administration, which is faster than the 800 number.
@@AhJodie I thank you for your response. I did rewatch the video. I think I am correct, that I should be drawing the 71.5 percent of my late husband's SS.
Very clear. Very concise. I was seeking information concerning a spouse dying before taking social security, for a friend. Many other groups skirt that issue. You were Direct in your answer. Thank you.
Thanks for this concise, understandable explanation. I was hoping you would comment about a survivor who is divorced from the deceased, having been married for over ten years. Maybe a video about that scenario?
Holy Schmidt does have a video regarding the divorce mate. . . About a year ago, but it is out there. I just watched it. Blessings!
Hello I appreciate your talk my husband passes 3 yr ago heart attack we were married 30 years and all our children are gone and I have been disabled since foot surgery,
My pleasure. Thanks for the comment
Please look up Devin Carroll. This gentleman has some info here, but Mr. Carroll has more detailed info that would be very helpful to many listeners, I believe.
Thanks for this video. Was hoping for one on this subject!
Please discuss how a widow can take survivors benefits and still postpone her own benefits until full retirement age.
Thank you for a very informative explanation.
I do have 2 questions.
1. My wife passed away 4 months ago, I am still working and making too much earned income. I would like to file for survivor when I retire in early 2023 is there a statue of limitations when you can file for survivor benefits?
2. Are pension, inherited RMD's and IRA's considered earned income?
Thanks for the informative videos. Very helpful to me and my family
Can you do a video explaining benefits if you are divorced from a long time spouse? Both survivors benefits and ss benefits?
This video is so Helpful and insightful, i really appreciate very much Thank you 👍❤️
Get a different answer from every call to SS. Lol
Yes, this exactly, it’s ridiculous what they put widows with cancer through.
@@sherrynaumann893 WOW SO SAD
Thank you. Always very helpful and clear advice.
Mr. Schmidt..thank you for this information. May I make a small suggestion? It would be helpful to have you write out some of these calculations/charts etc. on a white board with colorful markers as you talk. I know it might not be your style or something you have not done often, but it can add some variety. Look at Dr. Berg for and example. I wish you much success because the information is so very important for so many!
Thank you Wendy. Great suggestion. Look for future videos with that format.
@@HolySchmidt Well I am a teacher by trade…so I know a few things about drawing people in..;)
Very understandable and helpful. Thank You.
Excellent video ...and not a bad suit!
So, who knew that Geoff could be funny (3:40) 😆😄.... Thank you for explaining a complex process in an easy to understand method...
I have survivor benefits from having the same disease my father had. I got it at 26 because they made it seem like I had no choice to either get it now, or never. Then I’m told I’m not able to get a part time job or anything. I wasn’t aware that I could wait.
Thanks for the comment Sneat
@HolySchmidt
Is it safe to assume that the surviving divorced widow/er would also be entitled to approximately 82.5% of benefits as well?
Thank you for your informative videos.
i love this guy
Hello. I work with the United States 🇺🇸 Army. This is my private account. I'm single. I would say your Name attracted me. 🌹
Thank you. I'm 60 and lost my husband to a brain cancer 2 months ago. He started receiving social security disability benefits at the age of 64. What am I entitled to 82.5% at the age of 62.5 or 100% at the age of 67? In your video you didn't address the situation when person who passed away, began taking the disability benefits before full retirement age.
7:00, listen carefully.
One of the big issues with survivor minutes is remarry after the death of the spouse. I don’t think this applies to widowers, but it does apply to widows. If the widow marries before the age of 59 1/2 they are not eligible to collect spouses benefits. Which was in my case the reality. My husband died at the age of 50 and I was 48. I remarried a few years later and that marriage last, about 15 years and ended in divorce. Because I am not currently married, I can collect my late spouses benefits, which are over $1000 more per month than mine. I do need to go get a certified copy of the divorce decree because I don’t know where I put it After moving several times. It’s all just happened this week so needless to say I am in shock and very surprised that this is the case. My whole life I thought that role is strange, but I think a lot of them are based on the 50s and 60s societal norms and not today’s norms.
I am a whole lot younger than 62 or 65 I am 35 years old but I do receive SSDI and Social Security survivor's benefits from my mother that passed away when I was 18 I was wondering if I got a job and suspended my Social Security survivor's benefits could I reinstate them when I wasn't working anymore and or will that affect me getting married
What are the social security survivor benefits in the case of divorced persons?
Read my comment above please for your answer.
There are a few states, 5 I think, that do not permit a spouse who collects a state pension to receive spousal benefits from Social Security. I know for sure that Ohio is one of those states. People receiving a pension from their state should look into this before they retire, especially if your state pension is very small.
Georgia also.
Very good video. Clearly understandable. One question occurs to me. What if the surviving spouse is working and she is below full retirement age, let’s say 62 years old. Her husband passes away and is at full retirement age. She wants to keep working and wants to draw his survivor benefit. Is there any offset if she earns a certain amount of money?
Thank you, Well Done.
Thank you that made it easy to understand
you bet
Great info. We'll done.
If I understood correctly, survivor benefits don’t increase beyond FRA, even if Higher wage earner waited till say 70 to start taking SS?
According to the SSA website, full retirement age for a surviving spouse is slightly lower. For example, my FRA is 66 years and 6 months. However, my survivor FRA is 66 years and 2 months. I will be turning 66 soon, and my husband, currently receiving benefits, is very I'll. The four month difference in FRA is something I am taking into consideration in planning my own filing. But, my local SSA representatives seem to be clueless about this. Even when I read them the information from the SSA website! They seem to have set responses and can't adjust to unusual circumstances.
I’ve heard that before.
Wondering if you could make a video about SSDI survivor benefits. My late husband’s SSDI benefit is twice the amount mine will be and I’m looking at how to navigate those waters. I am 62, and work full time, retirement age is 66 1/2. I am not disabled. Would like to collect his benefit and work part time but not sure if it’s feasible. Thank you for your informative videos.
Hi, please read my comment above, it has what I did, my FRA was 66, I am not disabled. It is all a money calculation that would be a good idea if you talked with your local social security office. I did that and they were very helpful. (the phone call can be a while though to get through, just hold the line until they answer). Enjoy!
Hello. I work with the United States 🇺🇸 Army. This is my private account. I'm single. I would say your Name attracted me. 🌹
I’ve got a question
I’m on my disability and I’ve helped my wife get hers. She passed away back in 2017 at age 30. We got married in 2007 but she never used my last name. The death certificate says she’s divorced. I’ve had a time of getting the certificate but I’ve got it. I’m just curious about how it works n all. I’m 50 now at the time of her death we weren’t living together. Joe from Alabama
Thanks, useful info
Slide at 5:53 is incorrect. If the deceased had waited until after FRA to begin collecting then the survivor benefit would be calculated off of the amount the deceased was collecting which would be the deceased full retirement age amount PLUS any delayed credits.
Hi, I am finding your videos very helpful. As part of my retirement projections, I am looking at survivor benefits. I am the higher wage earner and 6 years older than my wife. Although there are advantages to my waiting until 70 to file, it sounds like my waiting past 67 will not increase the survivor benefit that my wife will get if I die before her. If I die at age 85, my wife, who will be 79 at the time, should be able to switch to a survivor benefit at that time, correct? Will the amount of that benefit change if she filed for social security on her own record at 62 or waited until 67? I was not able to ascertain this from your video.
Survivor benefits are fixed when the worker dies. If she files before her full retirement age, survivors benefits will be decreased on a sliding scale. The Social Security office will always calculate and give the living spouse the larger amount.
glad you touched on this subject thank you. I do have two questions. Can a surviving spouse take their partners Soc. Sec. at age 60 and switch to their own at full retirement age? Can a survivor collect and still work?
Thank you.
Yes, I believe you can collect one and then switch to whichever is the highest...I think. Good question because by collecting it early it will be lower.I believe so long as you are collecting you cannot earn more than $17,000
Please read my comment above. You can collect, then switch, but if you are working, anything above a certain amount gets penalized.
Geoff: Big fan of your UA-cam posts and greatly appreciate what you are teaching all of us (soon to be?) retirees. A question I still don't have the answer to: I will reach my FRA in Q3 2022 and plan to file for my benefit then, or by January 2023. My wife is ~3 years younger and already collecting her own benefit starting at age 62... she will file for spousal when she reaches her FRA. My question... will her survivor benefit max out at my FRA benefit, or could it be as high as my age 70 benefit if I wait until then to file?
Great question. Would be helpful to know this!
@@kjk4moss I still don't know. But... I figure the SS I collect for the next three years reduces what I have to withdraw from my taxable rollover IRA. That amount earning a return is probably worth as much as the additional ~24% increase in SS if I waited til 70 to file. I know my wife will inherit that, and so will my kids if we don't spend it all So... filed in January and on to something more exciting!
Thank you for the chart
Here's how it hasn;t worked for me, so far. I call the 800 number and wait on hold for 45 minutes. Someone finally comes on, I give them information, they say someone will call back in a week. 14 days later, I call again, and wait 30 minutes on hold. I finally speak with someone that takes my information, and says that someone will call back in 2 business days. 3 business days later, I call back. 25 minutes on hold. Finally I tell the person this is the third time calling, etc. They tell me about Covid, etc. After taking all my information, and putting me on hold, the person comes back and says I have a phone appointment scheduled 5 weeks later. I ask what happens then, I am told they will take my information and a decision will be made in a month or so. Forget going to any office I am told. SS is a mess.
Thank you
Geoff, thank you for this extremely helpful video! Question, can a survivor under fra work and collect unreduced survivors benefits at the same time, while letting their own benefit grow?
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???
Did you also cover Divorced Surviving ex Spouse who had children? This is important
Great video Schmidt!
I'm 70 and just started my Social Security benefit. My wife is 63 and we just started her benefit payments as well. I can calculate what she will receive if I pass away this year while she is 63 using the percentage in your chart; but, will her benefit increase every year; and, at age 67 will her benefit increase up to 100%?
Hi, the spousal benefit (which is up to 50 percent of the primary insured’s benefit) maxes out at full retirement age, which is between age 66 and 67 depending on the year she was born.
Holy Schmidt…thank you for your video. I’ve 2 questions. Are survivors benefits (SB) are based on the decedent’s earnings? Are SBs subject to an annual earnings test based on the survivor’s income? Please explain! Thanks!
I wish you guys would do a video on if The spouse expound the sea spouse works for the government as in a government employee. If they get any social security or not to begin with, I can't seem to find any information on that. And so security, never never knows how to answer anything. They all sound like they're 16 years old on the phone. And they don't even understand social security theirselves
Thank You!!!!!
Hello. I work with the United States 🇺🇸 Army. This is my private account. I'm single. I would say your Name attracted me. 🌹
thank you
You are welcome Elaine.
I wish you had stressed that the surviving spouse will not get his or her own Social Security benefit in addition to their deceased spouses Social Security benefit they can only get the larger of the two
Please discuss SSDI Adult Disabled Child benefits
Hi! Did you cover in another video how benefits work when you collected your husband social security when your kids were young. Will you still get social security when you are retirement age?
What if the deceased filled for long term disability payments at 52.
Nothing it's the deceased retirement benefit. My husband received ssdi at 34, though he never lived long enough to see a check, then it switched to. survivors for me and our children. The younger they are the less yrs. they need. For my husband it was only 3yr. back in 1990. Now at 66 I receive his plus all the colas he would have received. I hope this helps.
How to RIB-LIM (widows limit) factor into any of the scenarios you mention?
This guy is actually funny 😆
So far, I'm still waiting for somebody to help me. Answer the question if your ex. Husband works for the city as a government employee. Say a prosecutor attorney, they get a pension. I believe, do they still get social security? And is it a lot less? And am I entitled 250% of that? If it's higher than my regular social security
Good sharing thanks a lot ⭐🌷💛
My wife died at age 62 . I was 55, i'm 64 now. The folks at SSI told me I get a one time check of 250.00. That was it . Does that sound about right to you ?
Did she work? You might be able to collect monthly survivor benefits.
My son's father died April 30th. We called a few days later and signed up for an on phone interview 2 months later. I just hope it's back dated. The interview is this week. Without child support I'm STRUGGLING.
I am very sorry for your lost my heart with your child and you. I pray things work out.
Did you get back payment based on the day you first called ? Or a later time ?
My wife died at 39 years and I was 41at the time. I also have been collecting ssa now for about 6 or 7 years now and I am almost 62 do I qualify for survivors benefits. She was the bread winner in are home I stayed home to raise the kids.
What if the deceased spouse is disabled and was drawing SS and the surviving spouse was drawing much less due to the WEP.. Would that spouse still qualify for some of the deceased spouses benefits since it was more than the surviving spouse was drawing at the time the spouse died.
5:55 Does this chart work if the deceased had started to draw before FRA or is the survivor then operating off of a percentage of the reduced amount the deceased was receiving? ALSO, what if the survivor is 5 or 6 years OLDER than the deceased??
I was married 23 years. When I applied for survivor benefits, I was told I made too much money to get a benefit from my wife. Where did the money go that she paid in? I had two kids by her and it would have been nice if they got something. Not happy with the wealth transfer!!
Hello Holy Schmidt! I have a question. I will be turning 60 next August. I have been a widow since 2017 and my late husband was collecting Social Security starting at age 62. Recently I visited my local Social Security office to ask questions about Social Security Surviving spouse benefits. I know the annual working income limit for 2024 is $22,320 and it is $1,860 monthly. I know that it is $1 taken out for every $2 over that limit. I told him I earned close to $50,000 this year of 2023. When I do the Math I will get a little bit each month. Not much though. I was told not to apply because my income is too high. He suggested that I start working part time and in the future I can apply for benefits with a lower working income.. Nowhere on the SSA website did I read that there is an absolute maximum income limit before you should not bother to even apply for benefits. He wouldn't do any calculations to see if I am eligible for anything. Was I given the correct information? Thanks.
I am 45 yes and my husband passed 3yrs ago at age 43,so I was told I do not receive widows benefits
Hello. I work with the United States 🇺🇸 Army. This is my private account. I'm single. I would say your Name attracted me. 🌹
You can start to receive SS when you reach 60.
Hi, I am A Widow, and I collect my Husband's Social security, and I was getting survival benefit from The V.A. and Social security took my V.A. check and stopped it, why Can they do that because My Husband served in the Army,
Wow I am very sorry for this I don’t think this is fair this makes me sad
I was married to my ex husband for 32 years. I never worked. Got divorced and currently receive half of his social security. He has remarried and his second marriage is at the 10 year mark. When my ex passes do I get his full social security or do I get half and the other half goes to current wife?
just turn 50th my husband been dead for 7 years we both where social security benefits before he passed so when can I get my widow pension
Im a widow of a US citizen..im 38yrs old we been married for 10yrs...i never been to the US..i want to know more about the social security benefits..
This is a good source of information on this: creativeplanning.com/international/insights/financial-planning/foreign-spouse-social-security/
my husband died last year he was 62, I was55 we have 2 teenagers, they told me if I make more than 18 000 a year I will not be qualified but my kids yes until age 18, there is a limit on how much income you make to qualify when you still working.
Hi survivor benefits are subject to earnings limits. This article will give you everything you need to know. www.ssa.gov/pubs/EN-05-10069.pdf
.
M
I am in the process of estate planning, do you know if my spouse/wife would be eligible for a survivor benefit? We are both in our early 50s and she is currently receiving SSDI, as well our son he is a disabled adult. I am entitled to Social Security at Retirement, but my benefit will be smaller than hers,because of the GPO/WEP. I’ve never really understood our survivor benefit eligibility because she is currently receiving SSDI as well as our son, thanks!
a lot of free money!
can a disabled widowat 55 get benefits
how does it work for a foreign spouse?
I need answers, my wife died of cancer at age 48, I was 45, im now 64 and have never recieved any type of benefits the last 18 years, what is my recourse.
I’d speak with your local social security office in person.
I am retired military and a Texas school teacher. My wife is also a retired Texas school teacher. I draw a reduced amount of SS due to the school retirement. My wife gets zero SS because she has a retirement. Just wondering about her receiving a benefit if I die first.
Hello. I work with the United States 🇺🇸 Army. This is my private account. I'm single. I would say your Name attracted me. 🌹
I received survivor benefits from my husband passing away. And so does our son. I lose my benefits when he turns 16 and he loses his when he turns 18. I need to know if buying a second house to remodel and cell count as income?
Is it still possible to do the following: draw reduced survivor benefits at 60/61/62, etc, then switch to your own benefit at or after full retirement age? If you could please?
Is it like SSDI where you have to have a disabling condition to be eligible? This one has not happened to me but what if I lose SSDI because a review made it look as if there was improvement? I do have survivors and disability (not SSI). Probably like many I started out on SSI but then was able to get SSDI. I am learning disabled and have attended special schools and been in special classes for as long as I can remember. Of course I am now no longer in high school, that was a long time ago. If they ever send me for a review and find me not disabled any more, will I keep the survivors benefit still? I know my SSDI benefit is in possible danger every time they do a review. I am collecting benefits on my father's earnings record.
My spouse passed at 59. I was also 59 and quit working at age 60 and started collecting survivors benefits at 61 1/2. We both worked and had comparable incomes. Should I switch to the higher benefit at FRA or can I wait to age 70 to get a higher benefit?
I am thinking about applying for ss at 62. My husband is 17 years older than I am. What if he passed could I still recieve full spousal benefits?
I will be 64 in October of this year. My Ex would have been 64 in October of this year also. We were married for 18 years. We have been divorced for 23 years. I never remarried but he did twice. Can I draw benefit from him? I have been told I can but not sure.. he died April of this year
What about survival benefits when there are minor kids?
Hi....I have a pretty specific question! Recently, my wife passed away after retiring 16 months ago. she retired after being 66... her full retirement age. I however, however retired a little early from my 66th birthday! on a SSA disabled retirement. How does this affect me and our monthly benefits? Sorry that this is SO Specific! GG
Regarding your last comment about ‘no reason to not collect because you’re leaving money on the table’ ….. I have been waiting because I was told that collecting my deceased husband’s SS will limit what I can earn since I’m currently 63 (FRA 67). Is that correct?
I am 74 years and my wife 70 years old with no work. My son aged 42 unfortunately passed away and we were dependent on our son. Later we were advised by daughter in law not to claim any survivors benefits as their share will be reduced. So my question is what is correct version in this case. Should we claim our share or not as it will reduce the share of grandkids?Please help me clarify the situation. Thank you.
Please go to your SS office and get some numbers. It may but only because there is a cap, something like 150% of the deceased SS at the time of death. Take care of yourselves, she can get a job.
Are there Social Security survivor benefits when a divorce happens?
Assuming the previous spouse met other qualifications (ie, age, survivor benefit is higher then their own, etc.,) if they were married for longer than 10 years, usually. One of the interesting features of Social Security is that the current and previous spouse can both collect survivor benefits, however if the previous spouse remarried that would complicate the answer.
Very strange! You said that one qualify for survivor benefits if married over than 9 month.
Well, when I called the Social security and even read on the website, the requirement is 10 years of mariage. After asking questions concerning my options, I dicided to apply right away over the phone and the 10 years verification was made. So I am confused about this 9 months. Could you please, explain?
10 years is for divorcee benefits
@@HolySchmidt Thank you for you answer but I am not divorced, I am a widow and for survivor benefits I han to prove of 10years of marriage and being 60 years old.
How does that work in conjunction with the widow's own SSI?
Thanks for sending the video, the only other question is whether her Social Security benefits are reduced by the Federal Windfall Reduction that's placed on my Social Security benefits to calculate her 35% at the age of 62? or will she receive the full benefits payments at age 62 35% without being penalized?
Hi Jeff, Can you please comment on citizenship and/or residency requirements for the survivor? My wife is Thai and currently has a green card with the intention of gaining citizenship, hopefully well before my demise. But certainly, she will return to Thailand after my demise. She has no US income and likely never will. i am 59 and she is 45.
Probably given the facts that you presented. I'll have a video out on this in the next two weeks outlining all of the rules around this so check back early March.
@@HolySchmidt Wonderful! Thank you for all you are doing to help us all!
I divorced after 24 years of marriage. I never remarried. I started receiving my own SS benefits at age 62. Should my ex-spouse - age 73, pass away, would I be eligible for the survivor benefit of my ex-spouse?