Former SSA Insider: Survivor benefits and Delayed Retirement Credits: Common Mistake
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- Опубликовано: 5 сен 2024
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Dr. Ed Weir, PhD, Former Social Security District Manager; Former Family Services Specialist, Department of Social Services; Former Marine Corps Sergeant; University Adjunct Professor. Dr. Ed is one of the most experienced government benefits experts in the country and in his (semi)retirement, he has made hundreds of RUclips videos in order to help seniors, the disabled, survivors, retirees, disabled children, spouses, and others in every state get the benefits they need!
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⚠️I am not an attorney, tax advocate, or currently affiliated with the Social Security Administration or any other entity of the US Federal Government. My advice and opinions are based on my decades of experience inside the government. However, the Social Security Administration is the final decision maker when it comes to your benefits.
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Can an adult child who is also receiving social security receive survivor benefits when the parent who they have been living with dies and they need to continue paying the farm bill's their parents social security was paying?
Thanks for clearing this up, My wife and I just called the SS 800 number 2x this week and both times they said my wife will NOT get the DRC's upon my death. I am waiting until 70 to start taking SS. It amazes me that SS has not trained their "experts" well and this is a common question that many of our friends are asking! I printed out the TN24 (09-02) RS 00615.702 section from the SS policy manual and it clearly says that widow(er)'s will get the DRCs as you clearly stated in this video.
Hi Ed, recently I saw a 60 Minutes that discussed the social security benefit error that SSA made for many American resulting in payback by the beneficiary. Many had to reimburse the SSA thousands of dollars. Can you do a video in which you discuss how an American knows the CORRECT benefit they should be receiving? Thank you!!!
Great question
Pose this query to -Helps Is Here
Live Tuesday and Thursdays 1PM
Est. On RUclips.
- Common Law married for 13 yrs with a "regular" marriage and divorce in the middle of that, but we lived together the whole 13 years and I kept his name the whole time. (Long and weird story).
Because of your videos I just learned about the possibility of collecting survivors benefits. So THANK YOU for the work you're doing.
Here's my QUESTION: How to prove the Common Law sections of our marriage.
The Social Security office can walk you through the particular laws of that state.
He Absolutely calls you back.......I believe this is his "busy"ier time of year. Thank You,Sir!
I don’t think he sleeps. 😂
NOT sure if my deceased husband had pension benefits . However, he did he didn't retire due to health issues and applied for social security pass November 17 2023 I now collect survivors and only receive 844 there was no mention of all pension benefits that was applied to my survivors benefits he passed before the your month was final he did have a over payment. Which was repayment was applied they used the 255 death SS plus the returned payment applied to our joint bank account so my benefits for the month of December was decrease to make up for the overpayment ! After I received the $ 844.00 monthly which is suppose to be the amount that I as a surviving spouse is entitled to
I am 64 yrs old will be 65 in October
My late husband was 70 he had been collecting his social security for about 3 years
I am to all this
Very difficult to navigate this social security is hard to make contact with waiting I the phone to talk to a agent is really hard.
Enough to drive.
You crazy .
Without a computer & no access to a computer
Makes it evy more difficult and
Very frustrating
Ready to pull out my hair with very frustrating progress
OH MY GOD😇🙏
SOMETIMES HAVE TO WAIT TO EVEN EAT IN FEAR THAT I WILL LOSE MY PLACY IN THE WAITING GAME.
RIDICULOUS ❗
Personally, I wish there was an online calculator/ spreadsheet so people can try different scenarios of spousal benefits.
I'm working on that now. But it will take a while...very expensive programming. Hopefully have it ready in a few months!
@MyGovExpert Wow Ed. I'm looking forward to this. So, survivorship does factor in DRCs. I was informed otherwise by other RUclips 'pros'. I tend to believe you. Great info, oh wise one!
If you download the "Detailed Benefit Calculator" from the SSA, you can play with various scenarios. You can enter any valid retirement date for you and your spouse and it will calculate the benefits for both, at any date in the future, with some assumptions about inflation adjustments. Do a Google search for "download anypia". It's a stand-alone program and requires you to enter your annual earnings manually (from you SS statement), plus projected earnings until retirement.
Good info but could use more examples. Also a little heavy on mentions of others not getting it right. And what about spouse who dies before fra and isn’t taking so yet. Can surviving spouse get the delayed credits if wait?
I agree. I watched the whole video hoping that @MyGovExpert (Dr Weir) would explain can a surviving spouse claim at her age of 70, getting the DRCs as a survivor, even if her spouse dies at say 64? IOW, let’s say PIA was $2k, would have been $2.5k at age 70, but NH dies at 64 before claiming any benefits. Does spouse wait until **they** (the spouse) turns 70, and do they get all the DRCs? Or do they wait until their spouse (the NH) **would have turned 70 (if they hadn’t died) and then regardless of the age can they claim the full $2.5k (?)
Also, how does this work if the survivor is older than the spouse, and if they’re younger? If younger do they claim at dead spouse’s age 70 (if they’d lived) even if survivor is only 59 at that time? If they’re older do they claim when they turn 70, even though dead spouse if still alive would have been only 68 say, do they still get full DRCs because they waited until they turned 70 (even though dead spouse wouldn’t have been that age yet)?
I’m wondering that too. And we’re supposed to log in to a nee account
This is awesome Dr. Ed -- great info and coming directly from the source (former manager/employee of SS). Thank you!!!! Your explanation/examples are great, but there is one suggestion that will put you over the top. It would be great if you could present your calculations/examples on the screen. Seeing the numbers/examples gives a visual, which is solidified by your insightful discussion. Maybe include other examples. Of course, got to figure how to present it in you-tube format (like learning power point). You will be golden with the visual examples. Like I said, this was great - just a suggestion.....
Thanks! I appreciate the recommendation!!
Thanks so much! I have looked for this info but have not found it until now.
Glad I could help! A LOT more videos to come! Please make sure to share with your friends, family, etc! Take care, Ed
Thanks Ed you are the best!
I know this doesn’t apply to me. My husband was receiving social security. He was leagally blind in his 40’s. After a year + he died from acute myeloid leukemia. My daughters and I did continue to get benefits. He was 49 when he died; our daughters were 13 and 17. I was 46. Fast forward: I became disabled in my 50s, I was 53 or so. They ran applications on my work record and his. His was more so I filed on his income. They denied me filing by myself so I got an attorney. It took so long to hear from them, 2 years (not sure it was an awful time) I won on appeal, got back pay, and then monthly check. I’m 67 now and I don’t think I can get any more than I get now. Sorry so long. Thank you so much for your help for so many people!
Sorry for all you've been through. I'm widowed as well at a young age of 50, and my husband died of multiple myeloma which is a cousin of your husband's illness. I also ended up being approved for disability I also don't think that this information applies to me either because my income was always higher than my husband's by a slight amount. It's my understanding that a Widow on disability has fewer rights than a widow who is not or who is working and has their own record with Social Security.
Excellent information! So many confuse Survivor with spousal benefits.
I have never seen one aspect of spousal benefits addressed (which is off topic) namely, does the PIA adjust after FRA if one continues to work, and those ever-increasing wages replace lower earning years?
For instance:
My spouse (the higher earner) drew his SS at age 70, but worked until he was 73. I was the spouse who stayed home to care for aging and ill parents the last 20 years. I plan to take the spousal benefit at FRA, which will be higher than my own earned benefit. Spouse is 12 years older than me. The year of his FRA, his PIA was approx $2600. However, he worked an additional 7 years. Does his PIA remain at $2600, or was it adjusted upward based on his increasing annual wages over those additional 7 years, as they replaced lower earning years? We are wondering if my spousal benefit will be $1300, or will it float upward as his income increased? (Knowing COLAs have zero impact on PIA.)
Another good question.
Not only do so many bloggers get it wrong about the survivor's benefit, as mentioned in this video, almost all of them get it wrong about the spouse's benefit as it pertains to delayed retirement.
I am not an expert but I'm almost certain that your spousal benefit will adjust upward based on his increased earnings past FRA. The PIA will get the benefit of replacing the lower years with the later earnings. As a spouse you will ALSO get the benefit of COLAs. However, the spouse will not get the 32% adjustment for delayed retirement. This is true up to age 70. Working past age 70 will not increase the worker's benefit.
If I am wrong, will someone please correct me. Oh and by the way, there is a benefit calculator on SSA's web site that includes an estimate of the spousal benefit for delayed retirement.
Thank you so much for this video I have been trying to get the answer to this for awhile
You have to be the alive the entire month to be entitled to that check! I am trying to assess what that means. I am thinking we get a check upon completion of the month. I thought the COLA we get January was for having completed December. I am thinking the check comes the month after living.
COLA and living the entire month are pretty much different things
It’s scary that so many YT experts are getting this info wrong. I’m glad I found your channel and will look to see if you have done a video on survivors benefits based on a deceased spouse who was an SSDI recipient. If you haven’t done a video on that, please do. There is not much information on it out there, or how that might differ from regular SS survivor benefits.
Thank you. Surviving spouse with a disability aged 50 through 59 - 71½% of the deceased PIA. (Amount at full retirement age) Hope that helps, Ed
That’s my situation spouse 49 was on SSDI I’ll be 60 this year and I can choose between SSDI or what he would of collected social security if he had lived to full retirement age
Does the surviving spouse just get the DRCs added to their benefits, or do they get the entire anount that the NH was receiving? ie.. do they get the $500 added or do they get the $2500 added to their benefits?
Please join one of my LIVE FREE RUclips Q&A sessions so I can give you a more accurate and complete answer. There are so many exceptions I don't want to give you an incorrect or partial answer. Or, you can schedule a private call here: linktr.ee/MyGovExpert
I thought that a widow(er) gets a four month different FRA date, i.e. normal FRA is 66.6 than as a Survivor/Widow is changes to 66.2. Is that not correct? Thanks!
Sorry for the delay in responding. I got a LOT of comments all at once. If you still have questions or need help, please join my RUclips LIVE Q&A Thursdays at 4pm PST. Take care, Ed
My wife has Greencard, I currently get SS , It says my wife will get 71% of my SS If I die and my wife is 60. More If I die and she is older. What documentation does she need besides a Death Certificate and a Marriage Certificate. I want to collect it and have it ready for her as part of my estate. Thanks
Thank you - very helpful ! I have a question- I applied this year for (my own record) retirement benefits three months before I turned 62 (as this is what I read was to apply about three months before one's birthday if one wishes to start collecting at age 62). Just to check I called SSA and was told by SSA that the 8.7% COLA would be in my benefit calculation - but it is not. I checked into this further and now I am reading that because I collected so close to my 62nd birthday this makes me ineligible for the 8.7% COLA. for 2023 -- BUT if I collect later (next year maybe) then I would get the 8.7% COLA. Is this correct? If so, I am thinking I will pay back the two or three months and reapply next year to get the 8.7%. This is so confusing. Can you please clarify if I will ever be eligible for the 8.7% COLA if I pay back the two or three checks and reapply next year? Thank you.
I'd like to know this too. Good question.
What did you find out? I turn 62 next month but haven't applied yet. And how can you tell if the 8.7 COLA was applied? Benefits are 8.7% better?
If the surviving spouse is already collecting their own SS, and its higher than the dec'd at 73 spouse who waited and had not yet applied, are they only eligible to collect the one $250. and receive no other benefits if dec'd spouse SS benefit would have been lower than their's?
Can you address common law marriages and social security survivors benefits.
Will do! I'll make a video no that soon! But basically, if the state recognizes it as a marriage and it lasts for 10 years, then so does SSA.
My Husband passed at 46 in 1996. I have never remarried can I draw on his SS, I'm 62 now?
If his is more than yours, yes.
Thank you for making this easy to understand oorah
You are very welcome!
I watched this video, but did not receive an answer to my question. My question is: If a number holder dies between full retirement age and age 70, but has not taken any benefits yet, what will the surviving spouse receive?
You just add 8% more for every year the number holder went past their FRA(full retirement age)
The exact amount the deceased spouse WOULD have received if he had started his benefits at the time of his death, plus any COLA if applicable.
Sorry for the late replay. Please join my LIVE Q&A Thursdays from 4pm PST if you still have questions.
Sorry for the late replay. Please join my LIVE Q&A Thursdays from 4pm PST if you still have questions.
Ed pointed out the POM procedure that the survivor receives the DRC accrued by the NH at time of death. So if the NH died a month after FRA, a month of DRC would be added to the “would have” benefit. But I believe that the survivor still must wait for their FRA age to receive the NH’s DRC.
When my husband died, I didn't have yet my greencard and ssa didn't give my survivor's pension. When I had I had, that was the time that ssa started giving my survivor's benefit , which is for a lifetime . If I relinquish my greencard, will i lose this benefit?
My son's dad was only 36 when he was killed
Is there a ten year marriage requirement to receive survivor benefit given I was married to my spouse at their death?
I was told I was not eligible due to only being married 7 years. Is this correct?
If you were married to the person when they passed away, you are eligible.
Thank you for your time, the information was very informative and helpful
You're welcome!!
Hi Ed, my son received survivors benefits till 18, we were not married, would my son be entitled to what if any is in his retirement??
Question I was widowed in my 20’s . My husband was killed by police officer. I am now in my 73 . Do I qualify for his benefits at my retirement age.
It never hurts to try! Go ahead and file and they can check for you. Good luck, Ed
Thank u ,appreciate
You're welcome!
My late husband had just started collecting SS Disability when he passed at age 60. He was receiving full benefits at the time. My question is can I collect my SS at 62 and switch to his SS at age 67?
You can. Just have the SSA rep run both calculations when you file that way you can see which one you should start with.
Thank you so much for answering my question. Puts my mind at ease.
@@MyGovExpert
I currently receive monthly royalty payments from an irrevocable trust. How will this affect my Social Security benefits if I decide to start receiving them at age 62?
If it's just regular SSA retirement, it won't affect it at all.
@@MyGovExpert Thank you! I'm very grateful.
Hi Ed Thanks ,
So I’m 82 wife 75. I received
more SS than she. So
should I pass first my wife
will be able to collect 100%
of mine correct?
Sorry for the delay in responding. I got a LOT of comments all at once. If you still have questions or need help, please join my RUclips LIVE Q&A Thursdays at 4pm PST. Take care, Ed
I believe, yes. Your survivor wife would receive the higher of her own, or your amount at the time of your death. As Ed said, if your application asks for the ID of you and wife, the system should be automatic when you die, and SS receives notification by your State of your death. But, enter for your wife to separately apply on line if possible, or submit a request via phone.
@@MyGovExpert ok thanks Ed.
@@tonymanero5544 thanks Tony.
Will try to catch the live today.
Thank you for your expertise.
Thank you! Many more videos to come!
I have a question what if a person father passed away but their adult child receives social security and they had it ever since they were born could the adult child get their father benefits from social security?
I would have them apply for benefits! It doens't hurt to try!
I assume the adult child has a disability, otherwise the child would not be eligible for benefits. If that is the case then, yes, benefits will continue after the death of the father as far as I know. I am in that situation - I have an adult son with Down's Syndrome.
@wernerdaghofer4056 thank u
@@wernerdaghofer4056 do u know how much the benefits are?
Os it best to call local ssa or otherwise? Thank you
About what?
To obtain information pertaining to personal benefits…appreciate the information you provide…The more I learn the more I want to know (never too old to learn)😉
I understand the factors that go into determining the amount of my surviving spouse benefit. I plan to continue taking the Survivor benefit unless my own retirement benefit is more than his in the future. But I watched the 60 Minutes program about repaying SSA overpayments. This made me realize that I can verify my own 35 year earnings on the SSA website, however, I do not know my deceased husband's 35 year earnings. Although I understand the factors applied, I have no way of verifying what his FRA benefit would have been. I contacted SSA and was told I cannot have access to his 35 year earnings. Now I worry that at any future point, they will contact me claiming I was overpaid. Is this really correct, that I am not privy to his 35 year earnings, even though I'm being paid based on his earnings???
I would ask them to reconsider since that is how they are basing your benefit amount.
@@MyGovExpert Thank you for responding so quickly! Yes, I did explain that, but was told they were not allowed to give access to anyone else's earnings. I ended up asking that they re-check the amount I receive. They said I should hear back within 45 days. It's not the best solution, but better than just assuming they calculated it correctly the first time. Again, thanks for your reply and I have subscribed to keep informed.
I have a question about continuing disability i had my mental exam last month they sent me a letter saying disability is continuing and says they will review claim from time to time to see if im still elgible but didnt give me a review date?
If you passed the recent review, I wouldn't stress about another one. Just keep notes of your conditions and address the request when it arrives! The worst thing you can do is stress about the whole thing!
I was 70 August 1, 2023 and delaying benefit start date til Dec. 2023, I assume I will get 1st benefit in Jan 2024. Question no one seems to know, will I get a lump sum payment in Jan for the months of Aug thur Dec in Jan 2024?
Application gives option: What date should benefits to start? Selections are 3/2023 to 3/2024. Since I'm couple months past age 70 I'm confused as selecting the date to start.
Got answer, I'm all set
@@dogsarefun2why didn’t you post your answer. I assume you are paid from the time you became 70. Technically, benefits start in the month after you turned 70, and then deposited the following month after. But you should be receiving September 2023 and all months after. I thought there’s a special rule for birthdays on 1st of the month.
@@tonymanero5544 On application, I did start date 7/23. Got payment in Jan 2024 for Aug - Jan. You can only get 6 months retro, so if I waited longer than 6 months after 70, I would have lost out.
If you are divorced and remarried are you still eligible for survivor's?
If remarried at age 60 or later. Previous marriage needed to be 10 years or more to collect upon.
Does the surviving spouse have to be 70 to receive the full amount with full delayed retirement credits that her spouse was receiving since he filed at 70 years old? If the surviving spouse was only a healthy 55 years old, does she have to wait until 70 to get the full amount with full delayed retirement credits?
No. The surviving spouse only has to reach their FRA-full retirement age depending on their birthday.
@@threeftr3349 Thanx! 🙂
@@threeftr3349 so, if the deceased spouse had waited until age 70, and was getting $4000 per month on his own account because he waited, then when the younger spouse turns age 67, she will get that same $4000 without her waiting to age 70? (Adjusted by cola).
Sorry for the late replay. Please join my LIVE Q&A Thursdays from 4pm PST if you still have questions.
If you are eligible for survivor's do you keep your own SS check or is it the better of the two?
Both, you keep your own and the difference between yours and your spouse's. They come in one check so it's hard to tell...but that's how it works.
@@MyGovExpert I'm actually pleased to hear you say that...b/c that's what I thought but so many times I hear people say, (even professionals) that the survivor's SS is "dropped" & they are given the survivor's SS.
@@penelope5500 please read it a few times. Different explanations but yield the same amount.
I was penalized by ssa because I didn’t live with my spouse
Not sure how that happened. Please send me an email with the details if you have a chance and I'll check it out. And if it's a common situation/problem, I'll make a video about it for everyone's benefit. Take care, Ed ed@mygovexpert.com
Not really. If married for 10 years and divorced, you can get benefits on the ex-spouse. If currently married, you can get benefits on spouse account, even if not living together.
You have to be 60
Over 50 if you're disabled.
Or caring for disabled child
He doesn't call you back
Sorry, is this about Medicare? I'm only doing that right now until Dec 7 or so...then a small break to recover, and then "I'll be back!"