Social Security Survivor Benefits 101 - How It Works

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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.federalreserve.gov/econre...
Social Security Administration Application for Benefits
secure.ssa.gov/iClaim/rib
Current Social Security Cost of Living Adjustment
www.ssa.gov/cola/
Social Security Payment Estimator
www.ssa.gov/benefits/retireme...
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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.

Опубликовано:

26 фев 2021

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Комментарии : 474

@helenharrison8916 Год назад

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@Marissavmt Год назад

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. ❤

@jusformommy 9 месяцев назад

So sorry for your loss, such a tender age 🙏🏽 🤲

@katemiller7874 Месяц назад

I’m so sorry honey so young. I hope he had life insurance for you guys

@AhJodie 2 года назад

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.

@irinajen6379 7 месяцев назад

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?

@HanNguyen-vb3eo 4 месяца назад

Are you writing a novel here? 😢

@vduncan7isheaven Месяц назад

@@HanNguyen-vb3eoThis is for adults only. Go back to the playground and play with the children. Real Talk

@denisesargent1440 Месяц назад

Thank you for your novel, it was very informative! 👍🏼

@ginacardarella 11 дней назад

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

@premsun Год назад

Holy Schmidt! Excellent video ..crisp and clear with a nice haircut ! Thank you!

@qmoonwalker3847 3 года назад

Thanks for this video. Was hoping for one on this subject!

@Sam-bp8gk 3 года назад

I’m about seven years away from full retirement age so I started reading and watching RU-vid on benefits from Social Security. Yours is the most concise and easy to understand. Thank you for putting this information together.

@arianajones5358 2 года назад

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@dcg590 Год назад

You’re learning now?

@joankessel5850 3 года назад

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.

@SuperMarioVending 2 года назад

Thank you. Always very helpful and clear advice.

@MelissaCoup 10 месяцев назад

You are a part of such a great group of financial planners. Devin Carroll, Josh Scandlin and Lane Martinsen. Love your videos

@HolySchmidt 10 месяцев назад

Wow, thank you!

@gtbigdog3507 2 года назад

Thanks for the informative videos. Very helpful to me and my family

@earlgreco8636 Год назад

Very understandable and helpful. Thank You.

@Honestandtruth 4 месяца назад

This video is so Helpful and insightful, i really appreciate very much Thank you 👍❤️

@TippyPuddles 18 дней назад

Wow, the first person to explain the widow's benefit if the deceased spouse retired early.

@MrSdmckenna 3 года назад

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!

@HolySchmidt 3 года назад

You've got it!

@SmartLifeSolutionsWork Год назад

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?

@nubiacairo8835 2 года назад

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.

@HolySchmidt 2 года назад

You are welcome Nubia. I’m sorry to hear about your husband.

@generaljames1412 Год назад

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@JayCalderon211 Год назад

Thank you, Well Done.

@Mary-xf4ew 3 года назад

Thank you that made it easy to understand

@HolySchmidt 3 года назад

you bet

@Calventius Год назад

Great info. We'll done.

@euphemiat7735 3 года назад

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?

@najulah 2 года назад

Holy Schmidt does have a video regarding the divorce mate. . . About a year ago, but it is out there. I just watched it. Blessings!

@steelcastle5616 2 года назад

Excellent video ...and not a bad suit!

@marshallhosel1247 2 года назад

Thanks, useful info

@richardf6932 Год назад

So, who knew that Geoff could be funny (3:40) 😆😄.... Thank you for explaining a complex process in an easy to understand method...

@evalee7768 2 года назад

i love this guy

@generaljames1412 Год назад

Hello. I work with the United States 🇺🇸 Army. This is my private account. I'm single. I would say your Name attracted me. 🌹

@peterhoffman8525 3 года назад

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.

@87d5mzck4 2 года назад

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?

@themrgjonez Год назад

Thank you for the chart

@josielancaster7095 3 года назад

Thank you

@wendysherbert3257 3 года назад

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!

@HolySchmidt 3 года назад

Thank you Wendy. Great suggestion. Look for future videos with that format.

@wendysherbert3257 3 года назад

@@HolySchmidt Well I am a teacher by trade…so I know a few things about drawing people in..;)

@DeborahCaldwell77 2 года назад

Thank You!!!!!

@generaljames1412 Год назад

Hello. I work with the United States 🇺🇸 Army. This is my private account. I'm single. I would say your Name attracted me. 🌹

@sheenakitchen 3 года назад

Good sharing thanks a lot ⭐🌷💛

@honestheatherlaray5525 2 года назад

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,

@HolySchmidt 2 года назад

My pleasure. Thanks for the comment

@galemenzel1565 2 года назад

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!

@galemenzel1565 2 года назад

Well, it's been a few weeks since I posted my question. I would very much like to have an answer. TIA.

@markcummings6856 2 года назад

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.

@galemenzel1565 2 года назад

@@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.

@AhJodie 2 года назад

@@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.

@galemenzel1565 2 года назад

@@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.

@edimathews8462 2 года назад

Can you do a video explaining benefits if you are divorced from a long time spouse? Both survivors benefits and ss benefits?

@elainenilsson5472 2 года назад

thank you

@HolySchmidt 2 года назад

You are welcome Elaine.

@kellyyork3898 2 года назад

Please discuss how a widow can take survivors benefits and still postpone her own benefits until full retirement age.

@MD.ImNoScientician Год назад

@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.

@SunAtNight731 Год назад

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?

@jeffswaney3444 2 года назад

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?

@gduran9236 Год назад

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!

@billyjoejimbob56 2 года назад

Geoff: Big fan of your RU-vid 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?

@kjk4moss Год назад

Great question. Would be helpful to know this!

@billyjoejimbob56 Год назад

@@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!

@fireflyfarmletontheeno777 3 года назад

Please discuss SSDI Adult Disabled Child benefits

@dianarockwell6256 10 месяцев назад

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.

@christineplaton3048 10 месяцев назад

Did you also cover Divorced Surviving ex Spouse who had children? This is important

@DamAmon 4 месяца назад

This guy is actually funny 😆

@fototx66 2 года назад

How to RIB-LIM (widows limit) factor into any of the scenarios you mention?

@caroleanne8529 2 года назад

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.

@virginiadodgen2787 2 года назад

Georgia also.

@ShellRAzcona5242 3 года назад

Is this correct that a person can collect survivor benefits first before they collect their own social security? I need to know about security if I should wait to collect my ex-husbands or should I wait until I am 62 or older. Does it matter if I wait or should I file when he becomes 62. I am 50 and I do not know what I need to do.

@staytunednow2298 2 года назад

Get a different answer from every call to SS. Lol

@sherrynaumann893 2 года назад

Yes, this exactly, it’s ridiculous what they put widows with cancer through.

@Sneatt 2 года назад

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.

@HolySchmidt 2 года назад

Thanks for the comment Sneat

@josephgillespie4654 2 года назад

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

@seyedmortazavi6525 3 года назад

Thank you for your effort.would you tell me if one of the spouses qualifies to get survival benefit if both were receiving ssi benefits at the time of one of their death.

@mima4392 2 года назад

Yes.

@bizzygal7026 3 месяца назад

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?

@johnstuckey2384 2 года назад

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?

@wcwilson 9 месяцев назад

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.

@TippyPuddles 18 дней назад

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.

@prandn 10 месяцев назад

If I understood correctly, survivor benefits don’t increase beyond FRA, even if Higher wage earner waited till say 70 to start taking SS?

@rockyryan2323 2 года назад

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

@unme4728 3 года назад

What are the social security survivor benefits in the case of divorced persons?

@AhJodie 2 года назад

Read my comment above please for your answer.

@johncrouch6103 3 года назад

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!

@dcg590 Год назад

a lot of free money!

@PintoBeener 3 года назад

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.

@teresae5044 Год назад

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.

@HolySchmidt Год назад

I’ve heard that before.

@jeffs3627 6 месяцев назад

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.

@billcasassa9707 Год назад

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%?

@HolySchmidt Год назад

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.

@sheenadunlap1775 3 года назад

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.

@elainenilsson5472 2 года назад

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

@AhJodie 2 года назад

Please read my comment above. You can collect, then switch, but if you are working, anything above a certain amount gets penalized.

@EnchiladaBoredom 20 дней назад

Big Sur stole my car in the years 1950. A sudden outbreak of nettle rashes were so bad, it fell more than 1 gardener in a sensitive time. The cost of treating the rashes took a toll forever more. Nothing is wrong about more. We cant move product, USD, money fast enough to trime the trees and watch the kids come upstairs with notjing coming up physically. So a landscape crew to the East side of freeway 99 and marbled Rye upcoming would justify the drive and handouts to checks.

@pauladuncanadams1750 13 дней назад

???

@louiswelrod 3 года назад

My spouse receives spousal benefit with some GPO offset. Will the GPO apply if she receives a survivor benefit from my benefit? I will continue to receive her Govt pension if she is gone, but I assume I would have no offset because of my work, correct? We are both over retirement age.

@Longjohnsilver58 Год назад

Is the haircut based on year filed or the year the spouse passed? For example, spouses passes when survivor is 60 in 2015. The survivor waits until 67 in 2022 to file. Is the deceased person’s FRA calculated as if the person filed in 2015 or 2022?

@mrscrush59 2 года назад

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.

@AhJodie 2 года назад

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!

@generaljames1412 Год назад

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@joomoo5543 3 года назад

how does it work for a foreign spouse?

@ron9665 6 месяцев назад

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??

@jennifermartinez1992 2 года назад

Thank you for this, I was wondering how long you must be married to collect survivor benefits, we were married for 7 years when he passed

@johnrhode6135 2 года назад

If married at time of death just 9 months

@generaljames1412 Год назад

Hello. I work with the United States 🇺🇸 Army. This is my private account. I'm single. I would say your Name attracted me. 🌹

@5000NATE 2 года назад

I just got this letter in the mail I never had a spouse social security error

@user-dw7do6cx8e 3 месяца назад

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.

@TippyPuddles 18 дней назад

7:00, listen carefully.

@jacobkowski7705 3 года назад

Hi, can I ask you one more question? Assuming my wife (who has no social benefits on her own) and I are both 67 today, I am trying to delay my benefit until 70 (so I can increase my benefit by 24%). Can my wife apply for her spousal benefit today at 67? Someone told me she can’t apply for spousal benefits unless I am already apply receiving my own benefits, which I am delaying to 70 because I want to delay 3 more years to get 24% more. What do I do then? Do I have to apply for my benefits, so my wife can receive her spousal benefit while I am giving up the 24 % more payments by waiting until 70?

@gardenia8085 Год назад

Yes

@jacobkowski7705 Год назад

I already learned that spousal benefits can only start when I am receiving my own SS payments.

@robRobblah 3 года назад

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.

@HolySchmidt 3 года назад

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.

@robRobblah 3 года назад

@@HolySchmidt Wonderful! Thank you for all you are doing to help us all!

@bobb7918 10 месяцев назад

In the example where the primary spouse has not filled before deceased and the calculation for the surviving spouse is based on his FRA amount does this calculation only count the salary he has made up to the point he deceased or does it include assuming he would make the same salary up to FRA? This would effect how much the surviving spouse may get.

@bigfatboy64 Год назад

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

@chuckblack9410 2 года назад

First, I hope you will respond to this question. I am 72 years old and my wife has not reached 50 years of age and I have adopted her child that less than 20 years old. what can she hope to receive, if any, from the SSA???

@mirtikaschultz3282 Год назад

What if the deceased was on disabililty earlier than full retirement age and died before full retirement age. Would it be based on FRA or whatever the disability payment was?

@user-nd5tu1xv6p 10 месяцев назад

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?

@kevinseversonandhisvizslas8287 2 года назад

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

@sunryse5156 Год назад

I'm interested to know if I can take survivor benefits now (married 40 years, I'm 63 and retiring, husband died before taking SS benefits ) and at my FRA switch from the survivor benefit to his full SS benefit or is it always locked in at the survivor amount? I know I can take the survivor benefit now and let my SS benefit grow until my FRA but his SS benefits are far greater than mine will ever be.

@charleshines2142 Год назад

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.

@nicanorquesada2273 2 года назад

Does the retiree have to pay for spouse survivor benefits. How much?

@jeffrey8488 Год назад

Hi , what happens if the surviving spouse is drawing on social security but the higher earner is not . Does the fact that the survivor was drawing her amount which is lower ? Will the same survivor rules apply . 100-% of full retirement age , adjusted for survivors age , thanks

@mvp019 Год назад

If the survivor files at age 60 but is still working, do the survivor benefits get trimmed based on earnings, similar to a person filing before FRA?

@lorraineforte9175 2 года назад

My husband passed away almost ten years ago at 56,he was receiving disability benefits during that time I am now 63 should I wait till FRA to collect on his survivor benefit,and will the amount of that be added on to my SS.

@markwhite6835 2 года назад

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.

@allikat1352 3 месяца назад

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?

@kathleendavidshannon3413 2 года назад

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.

@generaljames1412 Год назад

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@amycuff6277 3 года назад

What if the deceased filled for long term disability payments at 52.

@mima4392 2 года назад

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.

@stevenmarek1178 7 месяцев назад

In the last example of the video, what if the surviving spouse is receiving SS payments already(started at age 63), but their payments are considerably less the the spouse that passed. Does that change the scenario?

@pennydavis476 2 года назад

So my question is, I’m 58 and collecting ssi. I was told by ss that when my divorce from my second husband is over, I can collect survivor benefits from my first husband. He and I were married for 17.5 years. Does this mean once I start collecting survivor benefits, my ssi stops? I imagine I would receive the higher pay out?

@HolySchmidt 2 года назад

You can’t receive both unfortunately.

@danodea4432 2 года назад

Geoff, what if the spouse who died was not the primary earner. Can the surviving spouse get survivors benefits and wait till age 70 to claim their own, larger , benefit?

@fliesinthevaseline Год назад

Would love to know the answer to this, Geoff.

@rayrice9701 Год назад

My question is a friend of my lost his wife seven years ago and he applied for survivor benefits he passed the medical factors part for social security but it still up for grabs in the non medical factors we want to know what the non medical factors that social security looks at when determine there approved for survivor benefits

@dorishutchins8818 2 года назад

Hello @ Holy Schmidt! I retired in October of 2021 at the age of 59. My husband passed away in 2015. He was 53 yrs old and disabled. The social security office told me to contact them when I'm 60 to collect his benefits. So, I managed to save some money before retirement and I was wondering if this would affect me being able to draw his benefits? I would appreciate it if you could respond. Thank you in advance!

@generaljames1412 Год назад

Hello. I work with the United States 🇺🇸 Army. This is my private account. I'm single. I would say your Name attracted me. ♥️

@theresajackson663 Год назад

2 years from now I’ll be filing for spousal benefits. My question is can I receive both spouse benefits & representative to our daughter we adopted who is minor?

@chris.eskimo 2 года назад

My father just passed at 78. Are his adult children entitled to anything? A 'death benefit ' to help with funeral expenses?

@kris5949 3 года назад

What about a widow who has lost two husbands? I heard that person can collect from one spouse at age 60 and then change and collect from the other spouse later which allows the surviving spouse to take the haircut on one spouse and then get full benefits from the other spouse later. Is this accurate? Thanks.

@mima4392 2 года назад

Yes that's exactly what I did.

@TippyPuddles 18 дней назад

If you were married at least 10 years to each spouse.

@bigtedf07 2 года назад

What is the survivor benefit if the older and higher earner waits until 70 to receive their SS benefit then lives until 75 and passes. What amount does the survivor who is 3years younger and the less earner who drew their FRA benefit?

@Thatsswell-hr9ev 6 месяцев назад

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.