Social Security Survivors Benefits (What you need to know)
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- Опубліковано 16 вер 2024
- Social Security Survivors benefits aren't as simple as they seem at first glance. In this video I'll break down the rules on who is eligible for these benefits and show you how to calculate them.
Resources:
SSA page on exceptions to the length of marriage rules: secure.ssa.gov...
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Hi Devin. Thank you so much for this VLOG. My wife recently passed away and I applied for survivor’s benefit. When I go a call from the SSA about my claim, I got what I believe was bad information. I thought they were wrong but with what you taught us AND downloading the OIG report you referenced, I am confident I am right. I will be speaking to them again next week but am now armed with knowledge.
My wife died 2 days ago I'm so broken I don't even want to think about benefits but I have to because I need to get it done otherwise I'll forget about it
I love your videos because you are, to me, very clear with your message. Thank you for your efforts in educating the public about Social Security benefits.
When your child graduate from high school , they take away the social security benefits, as a widower we should automatically get the Social Security benefits before 60 years , this is so messed up.. because the grovment don’t care how we are supposed to survive!!!
Im n agreement. We should receive it before 60 if theyre deceased
amen
I am 51 years old my husband took his life and because he was not military then it is considered a foreseen death and so there for they told me I would never ever be able to get my widows benefits only military spouses are allowed to draw their spouses benefits even if their spouse took their own life due to the fact that social security says that a suicide of a miltary spouse is considered unforeseen death my husband been dead now for 16 years and I live how ever I can it really kinda sucks I feel it discrimination against non miltary wives but do not get me wrong I have the greatest respect for our military but social security sucks they also say that sucide is shameful so sad from iowa
You could get a job. Crazy, I know.
You do get that survivors benefit before age 60 if you become disabled or in no way able to work no more because of health problem you will get that benefit check before age 60
Great job in explaining the survivor benefits, easy to understand. Thanks for taking voluminous amounts of the SSA code reduced to a 12: 44-minute video.
Thank you for clarifying the survivors benefit! Guess I need an appointment with the Social Security office. When my Husband left for Heaven, my whole world changed. This video just showed me that my life will be easier soon. Thank you, thank you. P.S. - Love your info!
How long did it take for u to receive your additional benefits how much was or how long did it take
I feel your pain I lost my wife 2 days ago and it definitely hurts
Hi Mr. Devin! I have great news about my situation.Just got off the phone with SSA. She told me I'll be getting 1350.00 a month. She also told me that I could have been getting this since I turned 60. I say, better late then never! Thank-the Lord I'm getting it!! Thanks so much, I'm also going to share this video with all my social networks. I'll be back to hear you, love staying ABREST of things, hahaha....Right!!I could have been getting that at 60!! Hahaha! Have an awesome evening!!!!
Like your explanation but it's amazing the Social Security and politicians have made this SOOOOO difficult to really digest!!
yes, they have many rules, i was surprised i could collect on him, also to get the surviving spouse check one must have been married to the deceased for 10 years...if they marry a second time the new wife can only collect if they too married 10 years...less than 10 years the second spouse gets nothing...
And the foreigners noncitizens can come over and get the benefits with no problems at all.
I have PTSD I was home and so was my 16 year old and 18 years old when we had to break through a bathroom door and listening to my husband during I had to make the 911 call myself he beans gone 16 years ago he killed himself and they r saying that my husband took his life to early by 7 years 1 month and 2 days to early for me to ever qualify and that I would never qualify for spouses benefits so sad from iowa
@@sapphirerings: The surviving spouse does qualify for benefits: While married at the time of death, and the marriage was greater than 8 months. Surviving widow/widower can claim reduced benefits at 60/disabled at 50/at any age if caring for minor/disabled dependents. Former spouses are only eligible to claim similar benefits if the marriage was 10 years or greater.
@@ltmundy1164 we were married 20years. i was badly burned almost 2 years ago by a fireball to back, arms legs, i was surprised when the lady in ss office told me i qualified...not a lot but it helps, they already had all the info, on file, i turned 65 in burn unit , so i needed change from ssdi to ss, i got lead poisoning from working in a battery factory...for 15 years...lead is an insidious poison, i have it in my bones, some tissues, we had 3 young daughters when he passed from pancreatic cancer, so i was kinda familiar with some of the rules, was 55 before i received ssdi, but i helped with the mothers checks, i worked until my body could no longer go, but the girls were adults then...very lucky the lead did not affect my legs, however the burns were bad, was in burn unit for over 2 months, went home with half healed wounds, just glad my middle daughter knew my past med history, the burn surgeons said the lead poisoning made my treatments and grafts diff from usual protocols...
You are one bad ass dude, Devin Carroll ! 🙏🏼
Let me sum this up if your relying on SS income your screwed
Curly servicestate I will get my deceased husband social Security when I’m 60 I have two more years I’ll get partial..
Never am i waiting! Im only 50 n by the time im 60 it may not b any Social Security!!
Does this guy even read these people's questions???? Hello anybody out there?????
No they don't they just report they did their speeches they get their money and that's all they care about these I'm going to answer you are you serious he doesn't have time for you American people don't get it and we're nothing to these people we're not special at all we're only special to our loved ones in our families and sometime this can be questioned LOL
I started drawing my husband when he died and I was 60, And I saved mine I'm 70 now and they said I would only get 16 dollors more if I drew mine now
Thank you for posting so much great info for spouses retirement. I’ll probably watch it a few more times before talking to Susa.
I'm thinking of filing for widows benefits, I will be 60 soon...I am working and my question is do they adjust your income if I file in the middle of the year and made over the limit of 17,000. Do they start to calculate from the beginning of the year or when I file? And can I finish my year working and collect S.S as long as I stay under the limit?
Hi Devin, I've been receiving spousal benefits since age 60. I want to know will I be able to receive or change over to my full benefits at 66, if so how does this work?
Carrie Morgan yes you can switch to yours whoever is higher assuming yours is higher now that you waited but you are eligible for sure at 66 but I am waiting on 67 good luck
My husband passed away in 2014. One day before his Birthday and five days before our 5th wedding anniversary I was told that I couldn't receive anything due to I made more money than my dead husband.
Then I was told my by one of the SS worker told me that they should have given me at least 1/3 of what he was receiving but I did get anything.
you have had to been married 10 years to collect survivor ( widow ) benefits.
So I was born in 1962 does that mean I have to wait 7 months to file for survivors benefits once I do turn 60? Another thing is my husband got benefits at age 62 does that mean I'll still get 82.5% ?
Did you get an answer I'm disappointed no one ever responded
Kajun, sorry for your loss. Based upon your info: Your late husband was receiving 79.65% of his full age benefit. You're eligible to receive that amount or the 82.5% max of his full age benefit, whichever is greater, but no greater. And that amount is subject to survivor benefits reduction, dependent upon your age. Best scenario for you: Max claim @ 62 years 7 months. Refer to graphics @ 7:00/8:00/9:40.
This was very informative.
Thank you!
If my husband dies before me, my income will drop to 35.7% of what we had when he was alive. I would receive 1823.00 out of 5103.00. I can’t impress on him and my adult son enough how dire it will be if we don’t get situated now. We are just starting to receive Social Security now
David is there a way I can contact you or you can contact me for personnel counseling. I have a unique situation that many Americans do not have.
Thanks for the update
Nobody explains what happens if the deceased dies before he even reaches his 60's? I have watched 4 different channels and this is never talked about?
What to my retiring money of i not married
What a system....its like I need to guess which hand the candy in.....lucky if u get it right
Really a great video! Thank you!
Glad you liked it!
Hello, Thank you for posting this video. My question is: Can a disabled widow collect at 61 his/her survivor benefit if the deceased spouse was also disabled and PIA is lower? Would it be a disadvantage to file in this case?
The I know disable widow get the pension of the husband at the age of 50
Thanks for your help.
Great video Devin, I always recommend your video's to everyone when the topic of social security comes up. I have one question about the widows limit, I took my social security at soon as I turned 62, I seen you video about when your birthday is not your birthday, this is a very strange rule, and I'm happy to say my birthday is on the first day of the month, so I was able to get paid for the month I actually turned 62, and since social security considered my birthday the last day of the previous mouth, I got a small increase for delaying a month, most people think I'm crazy when I tell them this. Back to the widows limit, since I took ss at 62, if I was to pass away, it looks like my younger wife that was born in 1965 could collect 82.5% of what I would have collected at full retirement age when she turns 62 and 7 months, would this be 82.5% of what my statement said I would get at full retirement age years ago, or would cola raises be added?
Thanks.
My hubby is a disabled Vet- I didn’t know I could apply for spousal benefits at 60- then defer my own- till FRA- Just FYI out there ladies- if your spouse of more than 10 yrs is already receiving SS you can apply for Spousal Benefits- call your local office- 🤯
Well I tried every year he was gone and the answer was I made a 100 more than him.
? What if he's alive?
@@deecee901 if he is receiving SS and was born before Jan 2, 1954 you can file Spousal at 62- you get half of his without effecting his until your Full Ret. age- hope that helps-
@@ruththomas716412:45
My husband worked for GM over 22 years and recently passed. GM says his pension is for me at age 55 and will be $244. per month. This doesn't seem right whatsoever. He made over 65k per year
Thanks
My question is my common law husband was died here in cebu, Philippines for 5 yrs and we have child can we claim of the benefits? How and where do we claim it?
Can you file survival benefits while you still working?
Reduced benefits (71.5% of FRA) at age 60. Maximum survivor's benefits accrues/caps at 62 yrs 7 months (82.5%) Subject to income limits of $17040/yr prior to your FRA eligibility/$45360 on the year of FRA. Refer 11:40.
A worker entitled to social security benefits under their own work and subject to the WEP reduction. Why would that same worker entitled to survivor benefits as a divorced widower, married after age 61 and after the death of the 2nd spouse, have to forfeit benefits of the 1st deceased spouse. The 1st spouse served 20 years active military, ten years on the military recall list after retirement, worked under the Federal Employment Retirement System for 16 years. He died at 55 years of age and never drew social security benefits. Why do the social security administration reduce my suvivor benefits under the GPO provision. There were no social security or other benefits due from the 2nd spouse.
Thank you.
Thanks this video was helpful.
My husband died two times i was marry and i did not receive survivor benefits because social security kept asking me for more information the information i had wasnt good enough
I have been disabled since childhood, and have been living on social security from my parents since they died. Can I buy stocks without losing my social security and/or medicare?
Yes as long as it's ssdi and NOT ssi.
Why question is if I already get SSI and I'm 61 when I turn 62 can I file for retirement or whatever it is can I file for anything at 62
Hi Devin Carroll, I am new to your videos & yes, I subscribed. I am curious as to if either me(age 60) or my mom(age 77) would be eligible for Social Security survivor benefits from my dad. He died at age 87. She has been married before to someone else but my dad never remarried. She is currently a widow. I am his oldest child & I am on SSI. What are our chances of collecting those benefits?
Husband had disability payment with offset of social security at age 42 till his death at age 69...how is that calculated???
Why did the as a give my as a an 1/2 of my spouse when he died we wear both over our retirement age. He was my x spouse
Please use closed captioning for us that are hearing impaired
So my mother passed before collecting social security. What happens to all the money she put in the last 30 years and no she is not married and I'm her only child and I'm a grown man with no disability
But me and the ex-husband is divorced and he has temporary custody of our 13-year-old son which receives SSI so my question is is the ex-husband entitled to Receive the retirement survivors money which is $80 $82
I'm 60 on SSI my ex wife passed away last year I'm I able to draw off her she was on SSDI not sure how long we was married any feedback would be appreciated
How about if the deceased was on disability?
I got disability, but only got it three months because my husband gets his SSI at 62, I will only get my disability until I am 62. Just do not understand SSI.
Hello... My question is: if my husband died, as his survivor I will get the all benefit or his ex wife will get a part of it also?
Same question here.
depends on how long you were married and if you work and have children
Yam Perelman Rector you both get 100% of what you entitled to; subject to your age at claiming
Ok
Yam Perelman Rector, if you qualify, you will get whatever benefit you have coming to you. If an ex spouse qualifies, she will get whatever benefit she has coming to her. They will not take from yours to pay the ex and vice versa.
At what age does a mother of a childs deceased fathers stop receiving the monthly check that is used to take care of this child if the child stays in school?
Thanks, Devin!
THANKS SO MUCH
SSA office told me when my husband passed that his benefits would go back to when he first started drawing in the 1990 s I am drawing SSDI. From my own SS. I am also raising his grandkids and tell me I can’t draw anything on his babies
If he received/had legal guardianship of his grandchildren. Or, possibly, if they are declared dependents on your/his annual joint tax filings. You could have standing to appeal: Show a history of ongoing care/support for school age minors. Challenge/dispute the ruling. Ask, the worst they can do is say: No.
I do
Can u explain Railroad Retirement with spouse 32 yrs of service, age 62...born 9/1939...? He started RR collecting 2001 (Tier1/2 as he paid 6.2% into Soc Sec plus 4.2% into RR and made the 30 yr commitment. Then in 2018 deceased at age 79. Surviving spouse was also a working woman in different field, has 40 quarters as Drafter. But was only 59 at spouse death, she was not disabled & no minor child at the time. Should she also get estimate or do something with Social Security office..or just apply at RRB Railroad Board? They had a question about "PROTECTING THE SOC SEC OPTION" But how does one do this?
Seems a real burn to widows if they can't draw survivor benefits on a deceased spouse (married at time of death) because they remarry before age 60! One waits as long as possible before filing, thinking it's the right thing to do. . .then loses benefits all-together for not filing five years earlier! 😔
Help. I've been a widow since my 20s, never been remarried and my disabled child received benefits...
I'm now 60. Can i apply for benefits now? It would really help me as I'm very ill ....
I think you should try.
Yes!
How old is your kid and how long they been disabled
ally wolf I don't know what your FRA is, but maybe you should find out if you are eligible for SS disability, and if it would be best for you to apply for disability until you reach your FRA. Maybe it would not, but you should find out either way. Also, getting the numbers ( information) from the SSA is important- just don't ask them for financial advice. I'm lining up appointments for that with professional advisors, not help desk workers. 😉
I am divorced and remarried. Can I take my current deceased husband’s benefits now and when my ex husband passes switch to his which will be much more?
Can I claim my deceased benefits & still work? Does that same rule apply...can only make $17,000 a year
If you are under full retirement age, the earnings limit does apply.
Thanks
If you make over 17,000 can you differ the difference into a 401k so that technically you only made 17k and keep your benefits? Or does that not make sense? I'm trying to learn as much as I can to prepare myself.
@@antmydude236 No it's still counted as income.
But what about taking your own benefits early, them switching to the survivors benefits? Is that possible?
Yes it is. The "deemed filing" rules do not apply to Survivor benefits. The SSA website says, "Deemed filing applies to retirement benefits, not to survivor’s benefits. So, if you are a widow or widower, you may start your survivor benefit independently of your retirement benefit if you restrict the scope of your application." You can find that at this link www.ssa.gov/planners/retire/claiming.html
I used the word "deemed filing" as if everyone knew what that was. Sorry! I hate jargon and there I go using it.
Deemed filing means that when you file for one benefit, you automatically file for all benefits for which you are entitled. This eliminates the ability to switch around between benefits. But again...this does not apply to survivor benefits.
@@DevinCarroll "you may start your survivor benefit independently of your retirement benefit".. Do income limits not apply to survivor benefits then?
sdesai1989 Yes. The income limits DO apply to survivir benefits.
@@DevinCarroll Thanks!
Is it based on case by case?
We are both in our 70s. My wife gets half of my benefits since her's was so low. Can I assume that she will get 100% of my check when I pass away?
Yes but she will not receive hers then. She will get only the higher of the two benefits.
What form do I have to fill out for filing a benefit for my spouse and where do I have to file it to?
Devin can you help me with the spousal benefits I’m in to and don’t get nowhere with SSI I’m 59 my wife passed 41/2 months ago
Great video 👍
Yes!! So.true! Me too!
I will turn 62 before my husband would have reached full retirement age. He had a much higher P.I.A. than me. Can I claim my benefits at 62 and then switch to his survivor benefit when He would have reached full retirement age?
Most people don’t wait for their FRA, can you use the minimum age for calculations...thanks
My husband died 15 years ago before he could finish 40 quarters, I have 35 quarters, so would I add up his quarters to receive survivor benefit at 62?
Good video. God bless.
This is too radical a change when there are simpler fixes to keep SS solvent until at least 2050+. Video also mentioned people 62 and older aren't affected. This is way too high an age. Should be 50 years old or higher aren't affected at all. People in their 20s-40s can adapt, but 50+ can't.
Can you do a video on a young ex spouse caring for young children and what it means to be a care giver and how to extend benefits after age 18
The only way you can exte5 benefits to your child or children if they remain in school or college then they can get it till either 19 or age 20
@@eugeneallison7457 No college. Only 19 if still in high school. Reagan got rid of that plus he put a family limit. Reaganomics sucks.
@@mima4392 o ok
Hi, @ Devin Carroll I retired October 2021 and my husband passed in February 2015. He was disabled and received disability insurance. I retired at 59 and I'll turn 60 this year. I have an appt with SS in August. I managed to save some money before I retired. I want to know if this will affect me in qualifying for survivor's benefits?
Do you have a video on DAC on Dads records after he passes. I didnt hear you give info on Child in Care benefit for the disabled Adult if the surviving spouse is NOT disabled. Do they limit income also for parent in charge of the adult disabled child. I have gaurdianship.
I receive half of my spouses benefit (he filed 10 months before he turned 65 at full benefit age) as survivors benefits and the end of Aug I will be retiring from a job that I will have a 25yr retirement. I was told at the SS office they will be multiplying my Pers benefit by 66% and what thar number is it will be subtracted from my survivor benefits. It dosen't make me happy but I don't feel I can do anything about it.
Spouse died at 65 did not file for retirement has lower income than the surviving spouse. Can I file for a survivors benefit at 60?
i was able to get benefits on my ex-hubby , he never remarried , neither did i...he passed at 42 yrs old never filed for himself..i filed when i turned 65..they were surprised when i filed, his SS account was sitting since 1992
Hi. Do you mean that you could have collected something when he died? My ex just died. We are both 49 with a teen daughter. I'm to overwhelmed to do anything 😔
@@Jessicascleaningtips i had a mothers check until my youngest was 16, she was 9 when he died..after that i was cut off until i turned 65....your daughter can receive a dependent child check-til she is 21 if she goes to higher education after graduating high school...roy only had the 3 girls with me, , it is my understanding as the surviving spouse you can get mother's check too...if you do not remarry you should get a surviving spouse check when you retire....the checks also depend on if he has other children too...
@@sapphirerings kids can only get it till 19 if in high school. Reaganomics took that away while in college yrs. ago. Unless kids are disabled before 22 yrs. old.
How can i claim the benifits of my husband im a filipina and can u pls help me what im going to do
And I’m still living which receives Social Security and the ex-husband is 42 /43 years old
Does government pension offset affect survivors benefits?
Widow or Survivor benefits social security. What if it is suicide and less then 9 months?? I had no idea the death would take place and ever exaptation the marriage would last many years. I'm looking at your link here, I see nothing on point.
I am a durvior 2117 gave me 671.00 a month my ex died years ago i13 years divorvoried i am married 29 years i was told tl get my ez passed away because married explain to mr? I am 65 in dec and take medicare money out lraveaves 528.00 i do not understand am blind
If you are receiving survivors benefit for a child and that child turns 18 and the benefit ends; does the next child get his benefits or the money is gone?
I thought I was supposed to get 75 percent of my mother benefits since she dead but I don't because my dad still alive I get his social security to when he dies that what the social security people told me. Next year I get $1026 dollars of my dead mother survive benefits I was wondering is I'm getting all my benefits or not in what can I do about it.
I am 64 and just switched from SSI to my ex husbands survivors Benefits and I took a cut from 1001.00 to 970.00 I couldn’t survive before !!! I am so upset !!! Then they say that I can’t collect the retroactive of 5 months because I am 64 !!! They say that I have to be 66 !!! Can they do this ??? What happens if I try to go back to work ??? Don’t even know if I can handle it !!! What if I get a inheritance ? Can they cut my benefit or take it away ??? My mom just passed and I might be getting some kind of inheritance ??? Thank you !!!
My husband took his life 3 months ago. I have talk to Social security Office I needed know at the time I would get any money till they told me. I am 63 9 months they said they had to figure out how much I get manual because I have SSI an Social security I didn't know until I washed your show that I would get very little. Could you tell me what I would get?, He had 40 Credits at age 37 I get 770 an 42 please let me know if I need an attorney. Thank you for your time
Question: im FRA and collecting my full benefit and my Divorced spouse died also after his FRA but I do not know at what age or when he began to collect his SOC SEC benefit...is my divorced widow benefit calculated based solely upon the amount of benefit he was receiving at death regardless of whether he began reveivong benefits earlier than his FRÀ?
I was in employment support allowance support it’s change to social security benefit what does it mean
let me ask you then why did I get denied to the fact that they say my husband liked himself 7 years 1 month and 2 days to early and we were married almost 25 years
So if a couple files jointly with one working and the other receives social security and has retirement income, how will the stimulus be paid?
One check to both or two individual checks.
Thanks in advance.
I got a one time survivors benefit of 250.00
The IRS doesn’t keep tax records more than 7 years, where can I get my tax records from more than 7 years?
If you don't have a copy of them, you may be "out of luck".
Past accountants usually keep files.
Can one collect unemployment and survivor benefits at the same time and receive both?
How about if the surviving spouse live in other country..she cant get also a benifits thank you..waiting for your reply
Something I don’t think you addressed. My wife files on her own record at 62, I the older one and higher earner waits until 67. I die and my wife continues her benefit until 67 can she then file survivor benefit and get my full amount ?
question my wife died a 1.5 years ago, and i just remarried again am i entitle for any survival benefits ? i did received 255.00 from SS.....
What if the surviving spouse had an under age child? Is the spousal benefits also will continue as a guardian?
I was 22 going to vocational school
Mother passed I was I'm Jeep rollover lost vision in right eye I had last rites and came back to wouldn't I qualify under my Father(Charles Perpich first Lt WWII Marine hero) only got Ssi in 2019 I been blind and disabled since 1984. I'm gonna go federal. James Lord was my Atty. But now I'm on my own any advice??
My husband collected ssdi and died at age 42. I haven’t remarried and I am age 62. Am I eligible for his full retirement amount if I wait to file at my full retirement age
Yes
I recieve "divorced widow benefits" at 60 its suppose to go up..he only collected disability for a year before his death....how do they calculate? ( i was disabled) he died at 63...
Dear Deven, If my husband passed away at age 30 and we were married for over a year and had. Daughter together am I also eligible for benefits as his spouse ? I currently have been collecting on my daughter's behalf but wonder if I have been eligible all along as well? He passed at 30 and I was 27 at the time of an accidental death.