Former SSA Insider: Maximize Survivor, Widow Spouse Benefits! Explained!
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- Опубликовано: 21 июл 2024
- SSA Survivor benefits, Divorced Spouse, Widow, Burial; Social Security Spousal Benefits After Death; ex spouse survivor benefits
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😃💯Who is Dr. Ed?
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.
#socialsecurity #medicare #seniorcitizens#seniorcitizens 
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I'll wait !
Hi Ed , I reached out to you months ago about this exact situation. I filed for Survivors Benefits over 1 year ago and I haven't received any money to date. I had an appointment scheduled with social security to find out the person that scheduled the appointment doesn't even come into the office on the day my appoitment was scheduled. I have given my original documentation to someone at my local office to make copies only to find out 5 months later those documents were never upload into the social security system. At this point I have resorted to getting my State Representative involved in assisting me. I am beyond frustrated with social security to say the least.
Don’t ever give them your original documents if they are irreplaceable. Make copies before you go!
That's the best way to solve an issue like that. Contact your federal politician on their website. There's usually a button that says need help with a government agency. When I ran my social security office any time we got those, those were the highest priority.
They lied to me after my husband passed away, kept playing ball wirh me, finally I got a lawyer and she is working on it already
😊😊😊
@@patriciaruthescutialerma1143Lied to you how?
Ed you are doing such a great job of helping the general public understand complicated information, thank you.
Thank you so much for saying that. I really do appreciate it.
Thank you so much for your videos. You are so helpful to others. So many on RUclips who claim to know how the SSA works and they really don't. They are usually right but then make mistakes and people believe it. Then they lose out on their benefits. Again thank you!
I agree. I spend a lot of my time doing videos and correcting others mistakes.
Thank you Dr. ED!!! I have my survivor benefits appointment for my kids and I next week. This video is helping with the "unknown".❤
I'm so happy I got it out for you in time. I'll get part 2 up in a couple days! Take care of yourself, Ed
Keep hearing about if u remarry before 60. Then hear if married 3 times u can collect off the highest amount. Which is it?
Thanks!
Thank you!! A lot more to come! Take care, Ed
Mr. ED I have never heard anything of what you just said and my husband was 39 years old and he was a veteran...they also stopped my and my son's benefit as age 16 and he did a secondary...when he graduated he went to college...I have come to realize that I might as well let this matter go...I have learned a lot...thank you for your time 😊
Sorry to hear you got the wrong information. If it wasn't too long ago, you might request SSA to reopen your case. Take care, Ed
There still could be help for you
Thank you Dr. Ed! After getting advice from you in one of your live Q&A sessions last fall, I applied for survivor benefits. I was divorced years ago, and I didn't realize this was an option for me. I received my first benefit payment this week. I can let my own benefit amount increase until I am 70 and then I will be getting a nice raise! 😁
Awesome!!! We were able to find more money out there!! Let's keep it going by sharing and liking and all the other RUclips stuff! Take care, Ed
Can a divorced person collect on their late x-husband if that person is now remarried?
@@vickijd22 Yes!
@@vickijd22 only if that surviving person was remarried after the age of 60, or if any subsequent marriage prior to age 60 has ended in death or divorce.
@@vickijd22 I think if the divorced person did not remarry before they were 60. If the divorce person is disabled different rules apply
Thank you Ed. It’s been a few weeks since I reached out to my representatives office. I am hopeful that I hear something soon. As I said before, it’s been over a year since we I applied.
That is completely unsatisfactory. Hopefully they make it right.
Thank you
You're welcome. Take care and have a beautiful day, Ed
Hi - would this also apply to any surviving spouse (more than one spouse) in the case where there was more than one marriage meeting the requirements? Ex, first marriage lasted over ten years and resulted in divorce, second marriage to the same person lasted beyond death. The second spouse takes survivor benefits. Can the first divorced spouse also take full survivor benefits?
Finally! I have been confused over DRCs and now you finally made it clear! It is based on whether the spouse is alive or deceased. I wanted to answer a simple question: "To give my surviving spouse the largest survival benefit, does it do any good to go to 70, or are my survivor benefits to my spouse capped at the FRA amount at 70?" As I understand it now yes, wait till 70 if your prime concern is ensuring your spouse gets the largest amount of survivor benefit.
Exactly! Yea, they make the whole thing way too confusing.
@@MyGovExpert I thought even if the Spouse that dies but didn't take SS until 70 the surviving spouse can only get up the FRA of 67 of the deceased spouse .. in other words the survivor does not get the 70 amount benefit...
Oh I knew not to give original documents thus the reason for in person appointment, to which the representative didn’t even come into the office the day he scheduled my appointment. I waited 6 months to find out the person at SS who made copies never uploaded them. It’s been another 6 months since I went to a different local SS office and they assured me they uploaded the documents. Therefore, I reached out to my Senator for help.
So sorry to hear that. But you definitely did the right thing by going to your political representative.
So I am still working my pay is around $50,000 can I still get survivor or widow benefits? my first husband deceased and was claiming SS and my second husband deceased but was not on SS can I still claim any benefits?
Starting this year 2024 spousel benefits are going down 1% till eventuality all you can get is 33%. If you can please explain this situation. Thank you.
That's incorrect. There's a social media person out there that was giving out that incorrect information.
My husband recently passed away on June 1, 2024. I will be 59 in July. I'm currently receiving SSDI. Can I wait until i turn 60 next year to collect? Or does the amount increase as I get older? I'm not wanting to decrease the amount.
Thank you for helping so many! I have a question for you with the new laws. I have been on disability for the past nine years. My husband passed away a year before I received ssd. Away a year before I receive social security disability. So I'm receiving disability and / survivor benefits? I will be turning 62 in December of 2024. Will they automatically roll me over for the same amount of money? Do I need to do anything on my part? Thank you!
No, you don't have to do anything. Nothing changes when you turn 62.
Excellent vlog episode Ed! I’m a Survivors Benefit beneficiary but still able to learn more things by watching your videos. As a Survivors beneficiary I do have question regarding getting married again. I’m past my FRA period so I’m aware I can get married without any penalty/issue with my benefits. If I do get married again and become deceased sometime in the future thereafter, will my surviving spouse be able to receive the same Survivors benefit? Even though the answer will likely be YES - the reason the question was asked was based on the fact that my own benefits was based on my deceased partner’s social security record. Personally I couldn’t qualify for any SS benefits based on my own SS history being short of the required 40 units. Of course that didn’t matter for my own sake as I was very fortunate to have been able to use my deceased wife’s SS history record to qualify for my Survivors benefit.
No, your new spouse would not be entitled to a surviving spouse benefit because it is based on your previous spouse's work record, not yours.
Sorry for delayed response. Please join one of my many live Q&A sessions if you still have questions.
Hi Ed I have a question I was a approved for SSDI quite a while back for end stage Glaucoma I'm blind however since that time got a life threatening autoimmune disease called Dermatomyositis with Myopathy code M33.12 I was speaking with my clinic recently I informed that you know I don't even know if SSA is aware of the Autoimmune disease but the doctor said yes they are aware of all your conditions ever so often they subpoena for my records ok no they didn't use that strong of language but said it's routine they inform the SSA of all new conditions is this true or did they doctor just say that sadly my condition is very serious when applying for SSSI you know how hard it is to meet a listing both of of my diseases are listing level conditions
Sorry, I'm a doctor but I'm not that kind of a doctor.
Hi Ed, What if the person that passed away never worked but they still have minor children??? Ty
Very few even get that $255 burial payment. They told me my Mother needed to have worked the last quarter. She had lung cancer and couldn’t work!? She was 3 months from turning 81. And was on SSI since 65.
Yes, you do have to be insured for Social Security to get the lump sum death payment
@@MyGovExpert She had Medicare A & B, And some Teachers Insurance company. Then when she got lung cancer, her home health nurse switched her to Medicaid. She was married to my Dad for 62 years at that time. And he was a 100% Disabled Veteran. I couldn’t understand how she got Medicaid, being married tona 100% Veteran.
@@Hutchbullterrier1Were you her financial and medical power of attorney? If you were they needed your permission and signature to change her to Medicaid..
She probably should have been getting a lot more having been married to a disabled veteran
Hi , Ed thanks for info on ex spouse benefits. My ex passed before collecting and we both never remarried. He also served in army for 8 years before we married . Can i collect on that?
Hello, not sure about the Veteran's benefits. But if you're at least 60 years old and we're married to him for at least 10 years, then yes.
I applied for SSDI and Retirement at the same time at 64.6 (my FRA is 66.6). My disability was approved but... they made the onset date one year before my FRA. So, I rec'd SSA Retirement for one year. How do they factor that when my ex passes and I am eligible for his (much higher SSA) widow benefits? I technically only took SSA one year early (the second year I was on Disability). My ex started SSA at his full FRA. He now has cancer... very unwell so, it won't be long before this becomes important to me. We were married over 10 years. I figure that since my widows FRA changes my FRA by 4 months I really only took SSA 8 months early. What do you think? Thanks!
Thanks for all the great advice and information. Quick Question, my husband passed away two years ago while on SSA, I am still working with decent salary. Am I qualified for spouse SSA benefit now I am 60 while still working full time. Thanks advance!
Anything over the annual limit will be withheld $1 for every $2 over.
My wife recently passed at 64 three months before her 65th birthday and when she planned to claim SS benefits. I retired about 2 years prior to her passing and was receiving my pension benefits. I applied for and was awarded survivors benefit but the benefit was reduced to zero because (as it was explained to me) my pension benefit - 75%, was more than the awarded survivor benefit. That's when i was made aware of the GPO. (Government Pension Offset) The rule that says a government (federal, state or local) employee who earns a pension, and you DON'T contribute to SS...
My issue is I've been contributing to SS while working at this same job for nearly 40 years. I never stopped contributing to SS and it was never offered to me as an option to stop. Am I missing something? I've since submitted a "reconsideration" application, but I've not heard from SS yet.
What about both having a relatively good income. Does the lower earner only get 1/2?
That would make sense to get divorced for both to receive the insurance amount? Am I correct?
Yes, they only receive half if they wait until their full retirement age
My sister's husband age 49 passed away in December. She recently applied for SSA survivor benefits and is currently receiving approximately $2500 for her and $2500 for their 6 year old. From what we understand her $2500 stops for my sister when their daughter is 16 (10 years). My niece's stops at 18.
My question: Will my sister still be able to claim SSA survivor benefits at age 60 or 62+ as well or is she giving up that right since she is taking benefits now? Thanks for the help!
Hello, thanks for watching and commenting! Please join one of my upcoming RUclips or TikTok LIVE Question and Answer sessions. Sundays 3pm PST (6pm EST) and Thursdays 4pm PST (7pm EST). I can answer your question then more accurately and completely. Take care, Ed
she can't remarry before 60 to qualify she can claim@60 but has to look at the earnings limit because she won't be full retirement age
Did you ever find out ?
At 51 I was awarded 71.5% forever, my husband was 53 when he passed away.
I'm disabled and I receive SSDI with widows benefits.
She can remarry @60 unless she's disabled then she can remarry @50
When to switch from widower benefit to your SSA is not easy. My widower benefit is about $700 less than my own.
Would love to see a graph on this. Like they do with SSA 62-70
$700 less. That's a lot...might be a good idea to switch
@@MyGovExpert but I gain about 5% a yr and a larger cola by waiting. Also I’m a born in 61 so I hit the donut hole. I missed the 2 big cola. Like 14.7%. With no indexing. They need to fix that!
My young husband passed away in 2013. I went to SSS office and they told me that I can claim SSS benefit when I reach 60 even if I get remarried in future. I am also a worker and have a current husband who I married in 2018. Can I apply for SSS spousal benefits now that I am turning 62? I intend to file for my own SSS retirement on my 67 years old?
Please join one of my live Q&A's, and we'll go through all the details
Hi. Does the benefits apply if my spouse had tax ID ? Im a survivor spouse with a SSN with two kids but my deceased spouse had a ITN. Thank you in advance.
It depends if they actually paid into Social Security. Give SSA a call and check. But probably not...
What if they were on SSDI at time of death and under 50 years old would I receive the SSDI amount or what he would have received from his SS at full retirement age ?
Please ask this question during one of my upcoming LIVE Q&A sessions and I’ll be happy to answer it. See you then!
I claimed Survivor benefits based on my wifes SSN. That is in place now. I have not claimed any benefits under my SSN since I am till under Full Retirement Age. By claiming Survivor benefits, have I effectively locked in my benefit amount, or will that continue to increase until I claim, say at 70 years old.
Hello, thanks for watching! There are just too many details and exceptions to give you an adequate answer in this comment section. However, you can GET HELP here: linktr.ee/MyGovExpert
So overwhelming. My wife just passed away 03/2024 and she was the bread winner. I am 49, we have three boys all under the age of 16. How in my scenario do I handle apply? (I have been unemployed for over a year due to my own health issues I am currently working on). Hoping the survivor benefits will be enough to pay the rent etc. My situation is fairly unique and any chat about math or numbers and its all greek to me. Thanks!
So sorry to hear that. Please call SSA today and file for surviving children benefits. 800-772-1213 Also, I ask about surviving child in care benefits as well... but there probably won't be any money left over after they give benefits to your children. They will explain that to you.Take care, Ed
Anyone see a link for purchasing burial insurance? Thank you.
Just send me an email with your contact info (including state) and what you're looking for, and I'll have someone give you all your options. Ed@mygovexpert.com
Hi Dr.! I am 65 almost 66. Since a work related injury almost a y ear ago in August, I can only work part time 2 days week. I earn roughly $800.00 a month. Do I add what I get from SS and my employment for the maximum I can earn before I have an overage or do they just count what I earn only and not a total of both for the max.?
Please join one of my FREE LIVE Q&A sessions and I can answer your question more fully. Or, you can schedule a private call here: calendly.com/mygovexpert/consult
Thank you for sharing this information
My husband and I were living apart when he passed away
He was still working, and was 64 when he passed in 2021
We were married 25 years
I know this sounds crazy, but
He married someone else without divorcing me, I have not been able to find any divorce papers
I am 60 and on disability since 2012
Will that affect my application /benefits?
Your marriage would be considered valid so I would definitely apply
If you were married for at least ten years you can draw off of him AND if second wife was married to him at least ten years BOTH of you can draw off of him..
I lost my husband past away when he was in his 30s, I didn’t know I could get this. Can I still receive Survivor benefits. I am 73. I do however receive SSA. Please help
If there's more money on survivor benefits, absolutely. call social security and have them check.
Thank you so much for this excellent information. Please could you answer my question. My husband's social security is approximately $2200.00 per month. Mine is $1800.00 per month. If he dies how much (ball park) should I receive? If I die how much approximately will he receive? We are in our early seventies and applied for social security when I was 64 and he was 66 years of age. With the example you gave I'm not sure how the $1000.00 was figured out.
If he passes first, you will receive $2200. If you pass first, then he will won't receive anything. Because his benefit is higher than yours.
@@MyGovExpert Thank you. We really appreciate this information.
If someone is already drawing early retirement and a spouse dies, how is that calculated?
On your age and their PIA
Hi Ed. How do you find the time to answer all these questions?
Mine is this..... my plan is to possibly file for survivorship benefits from my dead exwife but continue to work. I understand that if I earn to much that I can lose some or all of the benefits to a later date. Where does this repaid amount go? Would it be added to even my own account which i plan on drawing on when I turn 70? Essentially, how do I maximize working through survivorship and later my own account. Probably it is better not to work while drawing?
Thanks
If you continue working and don't receive those checks, then they add them back in there once you hit your full retirement age. So rather than having a full reduction because you filed early, it's recalculated later. That's one hundred percent automatic.
Yes, and it's becoming more challenging every day. A lot more questions, but I'm good for now. Thanks for asking
@MyGovExpert I don't see the drawback to filing early then as I will then get the penalties back later even while working. If I wait to file on the ex's existing account... I lose all this money anyhow. To be clear... does this penalty money get factored into my own account at 70 and beyond? Or is it better to wait until I quit work to apply for a higher monthly amount.
Thanks for your time
My spouse was collecting social security benefits (disabled) when she passed away from cancer at age 58 in 2022. If I file for survivor benefits at age 60 in 2026, will I get the amount she was receiving x 71.5% or will it be adjusted any due to cola?
You should get the full benefit amount minus the reductions for early retirement.
My spouse of 30 years was on disability and passed away at 51. I took early retirement after 28.5 years at the County I live in. I chose to get a higher amount of local government employees retirement until I’m 62, I’m 57 now, and the pension amount will reduce by my projected SSA benefit amount. I know I can draw on my husband at 60 and I can switch to mine one time. Can I keep drawing his benefits past 62 and wait until mine is more than his to switch? Will I get 100% of his at 60, 7:03 or a lesser amount? Does it make any difference he was on disability? Thank you.
When you file early, it's almost always reduced. But you can file on his and then switch to yours when your benefit amount becomes more.
I’m disabled 59 and receive survivors, and had 2 sons that are now of age. They where receiving as well. I’m receive it a considerable amount less than what each son got. I’ve called and they said I’m drawing maximum. If my sons drew full amount I still do not receive 71 % of what they drew. Does this sound right? I might add my spouse was not drawing SS but passed from cancer at age 53
A surviving child receives 75%. A spouse depends on how early you file. But there's a widows cap that might get you more. Try requesting a reconsideration and ask them to evaluate the widow's cap, they call it the RIB LIM. Good luck, Ed....and sorry for the late reply.
What if one of the spouse passed away before FRA, does the survivor spouse get the SSA benefit and how much?
Please join one of my FREE LIVE Q&A sessions and I can answer your question more fully. Or, you can schedule a private call here: calendly.com/mygovexpert/consult
Hey Dr. Ed!
I was declared disabled at 48 and my husband passed away the same year. I applied to receive his benefits and was granted 70% . I’m now 65. Can I reapply to get his maximum benefit amount now?
Please join one of my FREE LIVE Q&A sessions and I can answer your question more fully. Or, you can schedule a private call here: calendly.com/mygovexpert/consult
Hi Ed . My husband passed at 51 in 2022. He did not work for 10 years. Would I stll qualify for some benefits at my 60yr . Im 52 now and they told me I could have only gotten a one time 200 dollars.
Hello, I just recorded a RUclips short video answering your question. Please watch for it to appear this week. Hope that helps!
My child got survivor benefits from her dad passing but no one told me about auxiliary survivor child and care benefits she was 14 when he died she is 18 now . can I backdate and apply for the child and care benefits?
It doesn't hurt to try.
Thank you, Dr Ed!❤❤❤ I was divorced over 30 years ago after having been married for 17 years. My ex is currently living. I recently contacted SS regarding survivor benefits after watching another one of your videos. I was told I would not be entitled to survivor benefits because I would not have been living with him when he passes, which they stated is required to receive survivor benefits. Did I misunderstand what you said? Is there a way to file even if he is still currently living so I don't have to keep contacting SS to see if he has passed? Can I ask for a letter from SS confirming my request? Thank you for all your help!
Hello, you won't be entitled to the LSDP of $255 if you don't live with him when he passes. But you will be entitled to survivor benefits if you are not currently married (or married after 60) and your benefit amount is not more than his amount. Too many new employees at SSA! Sorry!
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Thank you!!
You can't file for survivor benefits until your ex is actually deceased. They are also not going to accept your request to notify you when he dies. That will be up to you to figure that out unless you have actually filed for Social Security benefits on your own work record. When you do that, they will ask you about previous marriages. If you provide them with the marriage certificate and divorce decree that will be entered into your file. Then when he does pass you should receive a notification from them.
This is all assuming that you haven't remarried, or you are single again, or you remarried after the age of 60.
You didn't mention your current age and his current age. If you are both at least 62 and you are single you are potentially eligible for a spousal benefit. Do you have your own Social Security work record?
@@byronmill thank you! We are both receiving SS benefits according to SS. I am on my own benefit becauae it is more than one half of his benefit amount. I have not remarried. If he remarried would that effect my benefit? Considering how much misinformation I have received from SS I don't trust them notifying me when he passes. I do not have contact and he lives in another state. Is there a way to protect myself if they don't notify me when he passes from losing benefits? Can I request they confirm or deny my eligibility in writing?Would they put a letter of request in my file and send me a copy? I asked the last representative at SS multiple times about my eligibility after learning I was eligible according to what I learned from Dr Ed. She insisted I was not entitled to survivor benefits since I no longer lived with him. I hate having to call SS every 6 months to be sure I don't miss out on benefits but I will certainly do that if that is my only option. Thank you for your help.
@@sonjah1913 sorry for the delayed response, I didn't get a notification that you had asked a question.
If your ex was to remarry it would not affect your eligibility for surviving spouse benefits in any way. Also, since you are past the age of 60 it would not affect your eligibility for surviving spouse benefits if you were to remarry. Remarriage would only affect eligibility for spousal benefits in your case, but as you described you're not eligible anyhow because your PIA is greater than 1/2 of his PIA.
Hi Ed, I wrote to you earlier, but I'm not sure I understood you correctly when you were talking about the survivor's benefits at 82.5%. My husband was on S.S.D.I. for decades due to many severe illnesses, and he passed away about one week after my 60th birthday, and so I was able to get survivor's benefits, of course at only 71%. My question is, can I still go in and claim the cap benefit you were talking about, and get the benefits increased to 82.5% now that I am 62 and a half??? I sure hope so because I am getting less than the average amount for Social Security and can barely get through the month, especially since I live in AZ where the temperatures get up to 115 degrees, and the air conditioner is very expensive to run, even if I only cool it down to 85 degrees! Please write back to me and let me know, because I don't want to go down there to the office only to find out I can't get it. Thx.
Unfortunately, you can't change later to the same benefit and get an increase.
Hello Ed. I have a phone appointment on March 20th to set up Widow's benefits. Will it be possible to also set up an in-person appointment with SS? I just want to confirm that the amount I will get is correct. I don't want to end up with an overpayment issue. Also I have heard you can only have 2K in your bank account. What happens if I get a part-time job at some point and I go above the 2K limit even if it is just for a few days. Can I take some of the money and just put it in a savings account in order to keep my checking account below 2K. Can I divert some money to my retirement account?
If it's survivor benefits, then how much you have in the bank is none of their business. Yes, you can request an in office appointment.
If you're on a State Medicaid program, that is what the $2k resource limit is for. Many people confuse the terms Medicaid and Medicare (which is tied to your SS benefit)
@MyGovExpert Thank you for this video, I’ve been receiving SSSB (60) for almost 2 yrs. I can also obtain my SS retirement benefit (67) in addition to the Survivor Benefit?
From what I was told...no. you never get both. When you reach full retirement age you can collect the higher of the two.
@@marianne1959 I think for survivors it's a little bit different. Might not get both benefits at the same time but I think you can switch at some point.
@@SeaStarGazer1111 correct. You can take higher of yours or deceased spouse at FRA.
Sorry for the late reply. You can switch to your own but you can't receive both amounts.
My spouse is over 10 years older. Is it true that usually the best strategy (if you bet on living to 80+) is that the older spouse collects SSI at 70 and the
younger spouse collects SSI at the minimum age 62?
Not SSI, but retirement. SSI is the welfare program
Hi Ed, my wife, same age as me, has not worked many years so we’re hoping for 150% of my benefit. Say at 67 I get 3000 and at 70 3800. And family max is 5000. If I retire at 70 do we get 1.5x3800=5700 or just 5000? Thanks!
Hello, thanks for watching and commenting! Please join one of my upcoming RUclips or TikTok LIVE Question and Answer sessions. Sundays 3pm PST (6pm EST) and Thursdays 4pm PST (7pm EST). I can answer your question then more accurately and completely. Take care, Ed
Hi if I only work part time 2 days a week and have been collecting SS for 7 months so far when I turned 65, if I keep working 2 days a week will my SS income keep going up since I pay taxes on it?
Please join one of my FREE LIVE Q&A sessions and I can answer your question more fully. Or, you can schedule a private call here: calendly.com/mygovexpert/consult
I have a question what if u say not now to getting survivor benefits could you go back to ssi ?
Hello, thanks for watching and commenting! Please join one of my upcoming RUclips or TikTok LIVE Question and Answer sessions. Sundays 3pm PST (6pm EST) and Thursdays 4pm PST (7pm EST). I can answer your question then more accurately and completely. Take care, Ed
I’m collecting s.s. early due to disability at the age of 48. I was married over 25 years before divorcing two years before becoming disable. How does this affect me when I or my Ex becomes retiring age.
Hello, thanks for watching! There are just too many details and exceptions to give you an adequate answer in this comment section. However, you can GET HELP here: linktr.ee/MyGovExpert
My husband passed away in 2021. We were separated when he passed but still married. Now he wasn't collecting benefits but I was n still am. How do I go about applying for it or do I nt apply? Thank u, joyce
Just call SSA and tell them you want to file a surviving spouse claim.
Does pension count as a job towards max amount you can make?
No, a pension does not count.
Hello. My spouse was receiving SSDI at the time of his death. Would the 71.5% of widow benefits be calculated by the amount that he was receiving at the time of his death or by the amount he would've been receiving if he were still alive?
If it's a disabled widow's benefits, then it's calculated against his PIA... his full benefit amount
Hi Ed. Thank you for you YT channel. I'd like to ask a question if I may....I have been doing a lot of research for a friend in Indonesia whose husband worked for an American company and has since passed in Jan 2023. A long story short, but, a family friend of hers found out that the FBU in Manila handles 40 countires in Asia. A forrm was completed in November 2023, but to date only one phone call back from Manila and she has no idea when and how long they will take to before she will receive her benefit! To make things worse, she has no job and two daughters 15 and 21. What basically I am asking on her behalf is how can she move forward quickly to resovle this? Thank you in advance.
Hello, this is not the type of question that can be addressed thoroughly in a comment section. Please join one of our LIVE Q&A sessions: Sundays 3pm PST (6pm EST) or Thursdays 4pm PST (7pm EST)? Or, you can schedule a private one-on-one call here: calendly.com/mygovexpert/consult
Hi. Thx for yr response…. Yes, I agree. Wanted to reach out to you... I'll check out that link. Again. Thx.
Hi Ed, I am confused with your information. My dad passed away when he was 88. He got his social security and his disability around 65. My mom only gets her own social security. When she filed for survival social security benefits, they told her that hers is more. Therefore, nothing changes. She doesn't get anything out of dad. Is this correct? Thank you for the information.
That sounds right. If her benefit was higher than what he was receiving when he passed, then she would be able to get any more money. Except, of course, the $255 one time lump sum death payment. Take care, Ed
Im only getting 595 of my husbands .. I was on disability and so was he. I get surviving spouse from him only.. ?? Why Ssa said im only getting half...
Not sure possibly because they subtract the amount of money you're receiving and then give you the difference between his and yours.
Thank you for your valuable videos, Dr. Ed! I have an appointment next month to apply for Survivor Benefits. My husband and I were separated but not divorced. Married 26 years when he passed. I know that he was receiving SSI (?) because he had a stroke at 54 and then open heart surgery. Is there a benefit amount rule for SSI? Thank you in advance!
I mean does it have the 82.5% cap, also?
If he was receiving SSI, then he might not be insured because that's the welfare program. If he was receiving SSDI, then you should be good.
@mollydupont4795 ssi is a state program and pretty much only works for the one person and sometimes their children. Ssdi would go to you if he was insured and had enough working credits at his time of death.
Thank you. Then it was definitely SSDI. He worked for 40 years. If he started receiving SSDI at age 54, will I receive 82.5% of that amount?
@@mollydupont4795 So that calculation doesn't apply to you. You will just be reduced by your age, not when he started receiving benefits. SSA will give you the exact numbers based on his PIA and your date of birth. Good luck, Ed
if a spouse recieves a pension from partner how does that effect survivors?
A pension, that is, a private pension doesn't affect Social Security at all.
My husbanf past away 7 months ago, social security said I cannot claim survivor benefits duw to me still working nag I was only 56 years old...is this accurate?
Anytime you retire early or collect benefits early, then there is an annual earnings limit So that is correct.
Dr . Ed my husband recently passed away 63 i got letter stating i could not receive any survival benefits. Only the $255 im going be 62 sept. Should i appeal this case?
Hello, thanks for watching! There are just too many details and exceptions to give you an adequate answer in this comment section. However, you can GET HELP here: linktr.ee/MyGovExpert
I have a question if my husband is filing for disability. Because he has really bad diabetes.
We've been married for 24 years, but never divorced. We also have a disabled son who is 21 years old. He's been disabled since he was 3. I am not able to work because i take care of my son if he gets approved. Am I entitled to any benefits from him because of my disabled son?
I am not 62 I am 48. Would I be entitled to anything now?Or I would have to wait till i'm 62 He is also trying the slick move of trying to get a divorce now. Lol
Hello, thanks for watching and commenting! Please join one of my upcoming RUclips or TikTok LIVE Q&A sessions. Sundays 3pm PST (6pm EST) and Thursdays 4pm PST (7pm EST). I can answer your question then more accurately and completely. Take care, Ed
Re: the Widow's Cap. What if you are considerably younger than your late spouse? I was 53 when he passed & he was 68. He started collecting at 63. Will I get the 82.5%? Thx.
It depends when you start collecting as well
@@MyGovExpert I will collect at 60 yrs old.
@@vickijd22 at 60 you will receive 71.5% of his PIA (his theoretical FRA benefit), not 71.5% of what he was receiving. You would be entitled to a maximum benefit of 82.5% of his PIA, but you would need to delay the start of benefits until the month that you reach the age of 62 and 8 months. Each month that you were to delay past the age of 60 will gradually increase that percentage from 71.5% until you reach the age of 62 and 8 months. Passed that date the benefit would never increase any higher.
I was married for 18 years and then we divorced. My former spouse has passed away. I am 69 years old. Can I collect on his benefits until I decide to collect my own?
Hello, thanks for watching! There are just too many details and exceptions to give you an adequate answer in this comment section. However, you can GET HELP here: linktr.ee/MyGovExpert
My spouse passed away in 2022 at 45 y/o. If I claim survivor benefits at 60 & still work full time. I’m assuming social security will taxed me since my earnest income will be higher. Is this correct?
Social Security will hold back one dollar for every two dollars you go over the annual earnings limit
You can only make 23000 before social security takes $1 for every $2 above 23,000
sir how long can i get the death benefits from philippines
For as long as you're eligible...www.ssa.gov/international/payments_outsideUS.html
how much death benefits sir for spouse
My husband receiced SSI at passed away at age 57. I'm 54 my kids over 18. Do I reveive any benefit for survivor spouse?
I recorded a short video answering your question in detail. It should come out later this week. Hope that helps and thanks for watching! Ed
My wife, 9 years older than I, passed away recently, and she was receiving about $300/ month. I should be receiving approximately $3500/month in about 4 years when I retire at 67.
Am I supposed to be receiving my wife's 300/month now until I retire at 67? or something like that? until I retire?
If you're at least sixty years old and you're not working over the annual earnings limit, then you can absolutely file for her survivor benefits.
Hello, I am a disabled vet where I get disability and I get SSDI, am I eligible for widow benefits?
Sorry, I don't really know your situation.
I'm collecting a small amount of an x spouses benefits. Now that he started collecting benefits, does that affect the amount I collect?
No, that does not affect your benefits at all.
My children only got half of his check. Will SSA go back and reimburse?
Please join one of my FREE LIVE Q&A sessions and I can answer your question more fully. Or, you can schedule a private call here: calendly.com/mygovexpert/consult
@@MyGovExpert They also capped his income, but couldn't afford a lawyer with two children.
Can a surviving spouse claim a survivor benefits of social security if a husband or a wife died before filing for Social Security benefits? Someone that I know passed away at the age of 63.
Yes
Thanks for your response!
👋
I’m new here. I just applied for survivor benefits on my ex husband who is recently deceased. I am 59 and a disabled veteran. I was denied survivor benefits being told by the SSA agent that SSA does not recognize a disabled veteran, disabled according to SSA and will have to wait until I am 60 to file. (She just found that out that very morning of our appointment 🤨) Is this correct? Please help.
Please join one of my FREE LIVE Q&A sessions and I can answer your question more fully. Or, you can schedule a private call here: calendly.com/mygovexpert/consult
@@MyGovExpert thank you 🙏
So if I am collecting my benefit and my spouse dies, I can collect 81% of his benefit on top of my mine?
The amount depends on a few variables. But you don't receive one on top of the other.
Is there a minimum 10 year marriage requirement to be eligible for survivor benefits?
We were married 7 years at the time of my spouse’s death. SS call line states I am not eligible.
Thank you,
If you we're married to him when he passed, then you are eligible.
I was still married but separated from my husband when I was diagnosed with two permanent disabilities, shouldn’t I have qualified for RSDI on his work record rather than SSI. Thank You
Help me.
I am on ssi
I will be 62
In December.
My spouse is 65 in july.
Soon......
Been married 6 years.
Seperated alot
Does that matter
We still married
Can i get off ssi
And get half his that turns to retirement at 65
Once he files for benefits, you can get up to half of his full amount. He also needs to see if he has to enroll in Medicare since he's turning 65. Does he have health insurance from current work? If he needs help with Medicare, email me and I'll have a member of my Medicare insurance broker team give him a call and go over all his options. ed@mygovexpert.com
My husband passed away do I qualify for benefits even though I'm 59 and we were married 11 years. He started collecting at 62.
You can start collecting survivor benefits at sixty years old
Hi Ed I have been receiving survivors check since 2021. I will be 64 in October 2024 can I receive Medicare now? Thank you
Hello, thanks for watching! There are just too many details and exceptions to give you an adequate answer in this comment section. However, you can GET HELP here: linktr.ee/MyGovExpert
@@MyGovExpert thank you
Hi dr Ed
Please enlighten me ,,my husband pass away this year January 20 2024,his 75 yrs old and im 41 yrs old we've been married for 7 yrs but no children,anyway im from Philippines im a pilipina🙏please help and enlighten about this ?
if you were only married for 7 years you get 0 only if you have minor kids or 10 year marriage you get survivor benefits You can call SSA direct & ask them was he a Veteran? exMilitary?
Good advice below..
I am curious if that $22,320 earning cap includes your SS income?
No, just earned income.
@@MyGovExpert Thank you.
How does the new Social Security Spousal Rule that ends in 2024 work for a stay-at-home housewife? How will that affect someone born in the 70s? Are GEN X SOL?
Have to be 70 years old.
Yeah i get that but what happens when i am? @@MyGovExpert
Im confused i read in 2016 the law was changed. No longer making the 10 year marriage rule for every case. Also im not finished watching your whole video.
No, still 10 years for divorced exspouses.
Is it true that you cannot have more than $2000 in your bank account or the IRS can seize it on you and take it a while from you and you cannot get it back I was told this by one of my children do not keep more than $2000 in your bank. You cannot keep it in your savings either Regards
Not for survivors benefits from Social Security income. It's from what was paid into by deceased's employment. You may be thinking of Medicaid.
Only limit SS Has on assets is when you collect SSI (low income not retirement benefits) with retirement benefits there no limit on savings. If you on SSI than there is a 2000 limit on savings.
It really depends on what type of benefits you're receiving. If you're receiving welfare type benefits, then there are resource and income limits.
Our children have a level 3 autistic son? How does that work?
So I hear you cannot use the children's survivors benefit for food shelter or clothing.
I've never heard of that. If it's shelter and food for the children, you can.
I can apply my husband survival benefits when my age is 60?
Yes, as long as you are not working over the annual earnings limit.
don't remarry before 60
What about surviving disabled adult children? Is there a formula? I received three different answers from the 800 phone number people
75% but, there is a family max. If other people in your immediate family are also receiving benefits.
@@MyGovExpert yes, thanks, I understand. No one else would be receiving benefits.
I am from the Philippines. 72 years old, my husband died last year in the US. I applied for survivor benefits at the SSA office in US Embassy in Manila. I've never been in the US. I was told I cannot be paid because of my residence.. Can you help me how to claim the benefits due me? My husband worked for more than 25 years there and was already a pensioner. Any help would be appreciated. Thank you.
Unfortunately, that sounds right. You have to have some type of U.S Citizenship or green card, etc..
@@MyGovExpert I have a petition but I'm uncertain of the status since my husband passed away a year ago. Would it be better to apply for a tourist visa instead? Will I still be eligible to claim my survivor benefits if I stay in the US for 30 days? Thank you.
My wife died two years ago and I did not know I could file. Are these benefits retroactive?
No
It depends when you called and a lot of variables, so if you haven't filed yet I would definitely file and then ask them if they are able to give you any retroactive pay.
I need help😢
You can definitely join one of my live sessions to ask any questions or schedule a private appointment.
Cparification: you can make a million dollars a month after full retirement age and still receive SS, but you will be taxed on all but 15% of SS, right? Getting taxed on SS is a huge blow to many people. My parents always said SS wasn't taxed....Not True
Up to 85% is taxable
My sister is the only surviving relative of her 8 yr old grandson, she has tried everything to get his Social Security Number every door closes on her,she lives in Florida his other grandmother was getting it and someone is getting his money but not the boy what can she do please help her
If you suspect fraud, call SSA OIG.
A lady at social security told me I was only entitled to 50 percent of my deceased ex spouses.
If I was receiving social security disability off my own record and then later on, at age 57 also filed for my deceased ex spouses, how much do they reduce my benefits for collecting his early? Do they reduce it even if I’m disabled?
No one at social security told me my benefit would be reduced for filing at age 57. And I’m find the people at social security are not very knowledgeable about social security guidelines.
Good morning, Ed.
11:40 row three, disabled. I see 50 through 59; (71 1/2%). But I don’t see survivor benefits percentage for disabled persons age 60 to FRA? Thank you.
Regards,
Chris
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I went to Social security office I got 3 answers.
My husband took Early retirement. 7 years ago he passed away. For what age I will get his maximal SS ?
One officer told me when I'm 60. But I will get less.
One officer told me when I'm 62+half
The Third one told me I have to wait until I'm Reach fully retirement age. 66+4 month.
I'm very confused. Please could you help me to make right decision.
Thank you
Please join one of my upcoming LIVE Q&As and I'll go over everything.
Thanks for your response 👍
When live Q&as start?