Social Security Survivor Benefits (Everything You Need To Know)

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  • Опубликовано: 10 сен 2024
  • How do survivor benefits work for spouses and ex-spouses in relationship to Social Security benefits? The more they paid into Social Security, the higher your benefits would be. We also discuss how people are eligible to get survivor benefits off a deceased spouse, even if they're an ex-spouse. Many people don't realize this. Call us for help!
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Комментарии • 495

  • @TheMedicareFamily
    @TheMedicareFamily  Год назад +6

    Let me know what you think about the video in the comments below!
    Get my FREE Cheat Sheet, Workshop, and other tools here: linktr.ee/medicare.mama

    • @brendaniemann799
      @brendaniemann799 Год назад +1

      Thank you for your video had just became a widow my husband is 61 I am 53 and I was told I can only get $255 lump sum but I thought I heard you say you can apply earlier is this true

    • @byronmill
      @byronmill 7 месяцев назад

      ​@@brendaniemann799 you can start surviving spouse benefits at age 60, age 50 if you are disabled based on Social Security criteria. The maximum available benefit will be reduced however based on the number of months prior to your own FRA you are when you start receiving the benefit.

    • @byronmill
      @byronmill 7 месяцев назад

      You have provided a lot of erroneous and/or incomplete information in this video and should consider remaking it.
      In the scenarios that you discussed you completely missed the implications of the RIB-LIM rules. You described a spouse that began receiving benefits on his record at 62, which would cause his benefit to be a significant reduction from his PIA. That is true. But then you went on to state that the surviving spouse would only be entitled to 100% of what he was receiving and that they would have to wait until their own FRA to be entitled to that amount. Both statements are wrong.
      RIB-LIM rules stipulate that the surviving spouse is entitled to a maximum of what the deceased spouse was receiving or 82.5% of their PIA, whichever is greater. In the case you described that would be the 82.5% of PIA, not what they were receiving.
      You also stated that the surviving spouse (s) would have to reach their own FRA in order to be entitled to the maximum benefit. That is also incorrect. The surviving spouse only needs to achieve the age that corresponds to the month on their surviving spouse benefit reduction chart they reach the percentage reduction that is equivalent to the percentage of the deceased spouse's PIA that the maximum benefit is calculated from. In the case of the 82.5% maximum benefit most surviving spouses will reach that threshold somewhere around 63 and 4 months of age.
      A surviving spouse would never have to wait until they reach their own FRA in order to be entitled to the maximum benefit when the deceased spouse had begun receiving benefits prior to their own FRA.

    • @user-tz4hd1tv2z
      @user-tz4hd1tv2z 2 месяца назад

      Thanks for the info, Gave me the answer that I needed. 😊

  • @myplaylist7007
    @myplaylist7007 Год назад +23

    Sorry for everyone's losses, i know how it can feel losing someone. It can feel like your world is closing in on you.

    • @AngelusaNobilis
      @AngelusaNobilis Год назад +4

      My son's dad killed himself. And even if it's been 10 years since I dated him, I feel so much grief.

    • @myplaylist7007
      @myplaylist7007 8 месяцев назад

      @@AngelusaNobilis After my dad died, i felt the same. My whole world is shatter and everything is up in the air now. It wasn't a odd death ( Murder etc. ) so they labelled it as normal but i think its a blood clot because he was complaining about having signs of a blood clot again. I ask him the next day if he was okay after taking some left over meds and he said yea. So imo he should of went to the hospital.

  • @Honestandtruth007
    @Honestandtruth007 7 месяцев назад +5

    Sadly to say for most Companies, it's WHO we are talking to when we make a phone call.... Some do it Right but Some don't 👍👎

  • @TinaSpencer-mr1cp
    @TinaSpencer-mr1cp 6 месяцев назад +4

    How does this scenario play out: wife draws her Social Security early, 62. Husband draws his Social Security at full retirement. If he passes and wife (who is now full retirement age) applies for survivor benefits, does the fact she started drawing her own benefits early impact the amount she’s eligible to receive in Survivors Benefits?

  • @dsdwtn5911
    @dsdwtn5911 Год назад +7

    Thank you so much for explaining a complicated topic in such a straight forward simplified way. You're the best !

    • @rebaramsey7585
      @rebaramsey7585 Год назад

      My husband and I are booth 68. We have even drawing SS for a couple of years. I was allowed to draw off of his because I had not paid in enough over the years we have been married...50 years. If he does would I get mine and his that we have both been getting or just his?

  • @lewcrowley3710
    @lewcrowley3710 Год назад +3

    Here's how it hasn;t worked for me, so far. I call the 800 number and wait on hold for 45 minutes. Someone finally comes on, I give them information, they say someone will call back in a week. 14 days later, I call again, and wait 30 minutes on hold. I finally speak with someone that takes my information, and says that someone will call back in 2 business days. 3 business days later, I call back. 25 minutes on hold. Finally I tell the person this is the third time calling, etc. They tell me about Covid, etc. After taking all my information, and putting me on hold, the person comes back and says I have a phone appointment scheduled 5 weeks later. I ask what happens then, I am told they will take my information and a decision will be made in a month or so. Forget going to any office I am told. SS is a mess.

  • @Ladysensei
    @Ladysensei 2 года назад +22

    This burns me up! Social security needs reform! I’m a survivor since 1995. I’ll never see one cent of the money my husband paid in the system for over 25 years. I’ve never remarried. A divorced person is entitled… my husband died one week before our 10th wedding anniversary… this system is designed to NOT pay hoping the spouse will die before they pay up

    • @TheMedicareFamily
      @TheMedicareFamily  2 года назад +3

      😥 Sorry to hear the system failed you in your particular situation.

    • @lindawalker5144
      @lindawalker5144 2 года назад +4

      Not his social security but I saw a video that people such as yourself are entitled to survivors benefits.

    • @chesshead3943
      @chesshead3943 2 года назад +18

      Check with Social security. Were you still married when he passed away? If you were still married to him when he passed on, and you were married for more than one year, then I think you should be eligible for survivor's benefits.

    • @3Bnannylounge
      @3Bnannylounge Год назад +1

      Facts

    • @khanhh4147
      @khanhh4147 Год назад +7

      I believe you should be entitled survival benefit, call SSA to find out about your case, good luck 🤞

  • @hollyfields3353
    @hollyfields3353 3 года назад +8

    Did you mention that the current spouse only has to be married to the deceased one year to be eligible for their social security survivor benefit?

    • @jackpotwinner1260
      @jackpotwinner1260 2 года назад +2

      Which is how my ex got set up and ended up dead leaving a wife these men set up these laws to help them attract younger women but it also makes them a target for death benefits

    • @buyerbware25
      @buyerbware25 Год назад +1

      Actually, the required time is nine months, and, under a list of special circumstances, it can be less than that. Every new widow should check with Social Security to be sure of her eligibility for survivor benefits. Also, some people are not aware that waiting to claim survivor benefits until years after reaching FRA does not increase the benefits.

  • @dosiodosev740
    @dosiodosev740 Год назад +2

    Subscribed, you are fun

  • @visaghanbhaskaran1527
    @visaghanbhaskaran1527 Год назад +2

    Thank you for sharing the information.

  • @doreenfogarty2664
    @doreenfogarty2664 5 месяцев назад

    Thank you for the update ! 👏👍💪 Im glad you talked about that. I've just applied !

  • @nancyschmitt7449
    @nancyschmitt7449 3 года назад +1

    You said 100% both spouses the current and X wow that is very good information.

    • @chrisloh745
      @chrisloh745 Год назад

      i believe this is not entirely correct there is a rule that applies because the deceased was already collecting at the earliest possible at 62 at the time of death it has something to do with getting 82.5% of his FRA or what he was drawing at the time of death which ever was greater if she was at least 62 and 4 months to 7 months depending when she was born and it doesnt get any she cant get anything higher then that so it doesn make sense to wait to full retirement age unless this rule change i could stand corrected

  • @Chief_5
    @Chief_5 Год назад +1

    Thank you for the 5 minutes 👍👍😃

  • @gmarc1955
    @gmarc1955 Год назад +1

    Question… I am a widower and I made more of Social Security then my wife that just passed does this mean I could still apply for survivor benefits even though we were married for 15 years but even though I made more in Social Security than her
    Thank you

  • @happyron
    @happyron Год назад +3

    Lovely video. Let's say a survivor wants to wait until full retirement age so they can receive 100% of the benefit.
    Does the benefit they will receive also keep increasing due to COLA? Or is it frozen at the point it was when the spouse died? Assuming the deceased themselves had also reached full retirement age.

    • @deecee901
      @deecee901 10 месяцев назад

      From what ive read..yes...cola continues

  • @samarkham3
    @samarkham3 Год назад +1

    what got me when my husband died, I only got 2 children's benefits. I had 3 children, therefore I had to work because I didn't get enough for 3 children.

  • @Hartsdream
    @Hartsdream Год назад

    Thanku

  • @Naomi-km2tn
    @Naomi-km2tn Месяц назад

    What survivor benefit, if any would wife be eligible for in this scenario: husband collecting ss at his full retirement age, he passes and wife has not reached her full retirement age. She is only 60 and her full retirement age is 67. What survivor benefit would she be eligible for?

  • @hildatorres2581
    @hildatorres2581 2 года назад +1

    Well you don’t mention any thing about excuse that we’re married over ten years but also receive retiring benefits of her own can she qualify for benefits from exhusband in addition to the benefits that she is receiving for being retired from her own work

    • @TheMedicareFamily
      @TheMedicareFamily  2 года назад

      The beneficiary must draw Social Security benefits from only ONE wage earner, Hilda. You would choose to draw SSI from your ex-spouse or your own earnings record. Not sure if you're talking about SS benefits or a retirement plan/pension here...

  • @anneedwards9643
    @anneedwards9643 2 года назад +2

    Hi, Thanks for your videos. I have received survivor benefits since 2015 when I was 66. I will be 73 in June. Last week I received a lump sum because apparently I have been underpaid since 2015! Will I be taxed on this? It was quite large and I still work. I read contradicting info about how much you can earn while receiving social security benefits!?Thanks.

  • @ToddSwingle-c9v
    @ToddSwingle-c9v Месяц назад +1

    Good Afternoon, Thank you for your video. I have called the SS office and they have told me this..I can draw my SS benefits now at age 62 and then switch over to my survivor beneffit at age 67. My spouse retired at age 70 and their benefit is twice mine. I do not want my early retirement to effect my full survivor benefit if I take my SS early. All that said...I know I must not file for a survivor benefit before age 67. What are your thoughts. Thank you

    • @allen7218
      @allen7218 26 дней назад

      Sorry for your loss. I will be in the same place as you, my wife has stage 4 cancer. It's very confusing.

  • @CamotesIslandsVibes
    @CamotesIslandsVibes Год назад +2

    Very informative..can my spouse collect VA and SSA survivor benefits at the same time after my death??

  • @michealsizemore1
    @michealsizemore1 Год назад +1

    Can a surviving spouse receive SBP, DIC, and Social Security Benefits at the same time. I know the surviving spouse can receive SBP and DIC at the same time but am not sure how Social Security is affected.

    • @SharonWattigney
      @SharonWattigney 4 месяца назад

      I need ther answer with this comment too please enlighten me

  • @petrinebisson363
    @petrinebisson363 2 года назад +1

    I qualify for my ex-spouse survival benefits. He is 74 yrs old and did not collect until.he was 70. Will I get 100% of his SS at his 66 yr amount or his 70 yr amount?

    • @TheMedicareFamily
      @TheMedicareFamily  2 года назад

      Eligibility for both beneficiaries is taken into account, Petrine. Here is a link that may help: www.ssa.gov/benefits/retirement/planner/applying7.html
      But. (there's always a "but" to these matters!) These matters are never "one-size-fits-all" and there can be lots of moving parts.
      We recommend calling the Social Security Administration directly or you can call us with questions specific to your individual circumstances at 800-970-1964. We're happy to help you determine your potential benefit options at no cost or obligation.

  • @TheJackpotQueen
    @TheJackpotQueen Год назад +1

    I hope you all heard that little bit wait if you're the current wife you only had to be married for one year that's what put a Target on my ex-husband's back after I was married for 35 years and he married a woman and suddenly he was dead she collected his benefits

  • @cynthialewis2096
    @cynthialewis2096 9 месяцев назад

    You still only get to take either your benefits or your spouses, correct? From what i have gathered you cannot get your benefits, and your deceased spouses.

  • @donnat3483
    @donnat3483 2 месяца назад

    So Im 62 both my spouse and ex spouse past married 10 yrs each. But I am still working making around $50,000 can I still collect survivor/widow's benefits .

  • @rockk973
    @rockk973 Год назад

    So my wife just recently past away at 42. She left behind 2 children under 6. We where married for 8 years and still married apon her death. I have a call on Tuesday with SS. Do we get anything

  • @lowandarudolph1244
    @lowandarudolph1244 2 года назад +2

    Love your video my question to you me and my husband been married over 43 years we are still legally married but separated he decided to marry someone else while still married to me can I still draw his Social Security he is still living and can The Other Woman draw his Social Security while still married to me

    • @TheMedicareFamily
      @TheMedicareFamily  2 года назад

      Possibly. There are so many moving parts to these matters we can't give a pat reply, but we recommend you call Social Security directly or give us a call at 800-970-1964.
      We're happy to help you determine your potential benefit options, and there is never a fee or an obligation to work with us for the call!

  • @mirahrobert5534
    @mirahrobert5534 11 месяцев назад +1

    I AM 37 years old my husband american is 75 but he is passed away last month. We live here in Philippines we dont have kids. Can I File survivor benefits?

    • @TheMedicareFamily
      @TheMedicareFamily  11 месяцев назад

      Possibly SSA will need more details

    • @SharonWattigney
      @SharonWattigney 4 месяца назад

      Hello mam we are same question ,my husband pass away this year January 20 2024 we've been married for 7yrs but we don't have child ,,
      My husband is 75 yrs old and 41 yrs old but I don't know if I'm qualified for a survivor benefits,,also my husband is a veterans,

  • @embededfabrication4482
    @embededfabrication4482 Год назад +1

    My mom (divorced) is getting my father's SS survivor benefit. Question, what does his widow get? is she getting survivor benefit too, is her benefit reduced because of what my mom is getting now? After my mom passes will she get more?

  • @Dano-cr5wv
    @Dano-cr5wv Год назад

    My wife passed 2021 she was on ssdi they sent me paper work then sent me a check but then took it back we were married for almost 20years she passed at 67 I was 60 what happened

  • @raidfridge
    @raidfridge Год назад

    My question is if you pass away with no spouse, children and deceased parents. Who get’s the money? The government?

  • @giacomoliga
    @giacomoliga Год назад

    thanks for info

  • @Maddenfoot24
    @Maddenfoot24 5 месяцев назад

    What if you’re on DAC and your father was married and where to pass

  • @nkrussell80
    @nkrussell80 2 года назад

    My spouse died 12 years ago we had two children together and he had one with someone previous! When his oldest child aged out the money he was receiving went to the other two split in half. Recently my oldest son turned 18 and his benefit did not go to the last child! I don't understand why it did not transfer because it is the benefit allowed to the family! Do you know why this is?

  • @Jrbrass
    @Jrbrass Год назад

    Question: I'm 64, not drawing SS. Ex is 62, not drawing SS. What happens if she passes and is not drawing SS. Do I still get full SS if I wait until my full retirement age?

  • @jocelynmcgaha4275
    @jocelynmcgaha4275 2 месяца назад

    Good evening from the Phils. I am a widow and 66 years old NOT an american citizen. My husband was getting his monthly SSA pension. My question, i am qualify for a spouse survivor benefit? There is an SSA office here in Manila of which i am trying to get an appointment.

  • @clarenceswope6706
    @clarenceswope6706 Год назад

    I qualify for the adult child survivors benefits because I was disabled before the age of 21 living at home with my father

  • @cathrynclark5287
    @cathrynclark5287 2 месяца назад

    Do you get survivor benefits from a deceased husband as well as your own social security? Or is is it just the greater amount that you get?

  • @messianictemple5105
    @messianictemple5105 Год назад

    He died at age 68, I am about to turn 60. We married for 20years. He worked for over 30yrs...how much am I roughly looking at in cash? If its just $255 lump am seeing on the internet, I don't think I should spend so much money running around looking for the needed docs.

  • @ceceliabarfu2736
    @ceceliabarfu2736 2 года назад

    Thank you so much.

  • @dianemartin7062
    @dianemartin7062 2 года назад +4

    Dear Sylvia, my wonderful husband of 51+ years just passed. He took Social Security at age 62. I waited until age 66 (born 1950), and was able to receive one half of his full (100%) PIA. Initially, we had to ask for that since the Social Security worker was not going to apply the full amount. Now that my husband has passed, hasn't the precedent been set for me to receive whatever his full PIA is as his survivor?

    • @TheMedicareFamily
      @TheMedicareFamily  2 года назад +3

      So sorry for your loss, Diane. If you are full retirement age, you are entitled to 100% of his benefit (Survivor benefits).

    • @chesshead3943
      @chesshead3943 2 года назад +1

      I think not. I think his benefit amount was set when he started to receive Social security parents. Check with Social security.

    • @DD_LetTheDogsOut
      @DD_LetTheDogsOut Год назад

      @@chesshead3943 Set at what?

    • @marcinkacper9291
      @marcinkacper9291 Год назад

      Hi 👋
      How are you doing?

    • @bradk7653
      @bradk7653 Год назад +3

      My understanding: If your spouse had taken his SS at 62 and you waited to claim your survivor’s benefit until your FRA then you will not get 100% of his PIA, but you also won’t be limited to his @62 benefit, you will instead receive the Widow’s benefit that will be 82.5% of his FRA.

  • @Ju-Ju2
    @Ju-Ju2 2 года назад +2

    Isnt there an 82.5% widows cap rule where the widow can never collect no more than that if her spouse collected benefits before retirement age?

    • @TheMedicareFamily
      @TheMedicareFamily  2 года назад +1

      There is a special provision of the law where a widow(er) benefit is slightly higher than if the worker were alive. For example, if a deceased worker filed for retirement benefits at age 62, he or she would be receiving 80% of PIA if alive, but the worker's widow(er) would face a higher limit, namely, 82.5%t of PIA.
      Feel free to give us a call at 800-970-1964 if you have questions we can help you with, JuJu.

  • @denisemartinez8010
    @denisemartinez8010 Год назад

    My husband and I were married for 24 years. Our divorce was final in 2022. He divorced me. He was receiving 3,500 a month. I’m receiving 1,800 from SSDI currently. I’m 64, how much will my benefit be?

  • @IB4U2Cme
    @IB4U2Cme 2 месяца назад

    Are there US residency requirements for non citizen of the widow to the beneficiary? I am hearing the 10 year marriage is insufficient for a widow.

  • @carolfraner5819
    @carolfraner5819 2 года назад +1

    What is ex spouse remarried however divorced and is currently unmarried. Does that second marriage effect benefits?

    • @TheMedicareFamily
      @TheMedicareFamily  2 года назад +1

      The wage earner's record (whose benefits are being drawn from) isn't affected by their remarriage. The benefit applicant's remarriage would be the one they'd consider.
      Let us know if you have questions at 800-970-1964.

  • @dianemeslinsky5203
    @dianemeslinsky5203 Год назад +1

    I’m 68 and am collecting survivor benefits. When I’m 70, can I draw on my own SS, which is $500 more per month than than the survivor benefit? Thanks!!

  • @SLees-tv7gh
    @SLees-tv7gh 2 года назад +1

    My granddaughters mother died last year, she was only 20. not sure how much she had worked because she had just finished school. Does my 2 year old granddaughter qualify for anything? I have custody, but I’m 58 and my health is declining. Not sure I will be around when it time for her to go to college. Would love to have extra money to set aside for her education.

    • @linda7999
      @linda7999 9 месяцев назад

      Would love to know the answer to this as well. I’m in the same boat.

  • @rfern263
    @rfern263 2 года назад +2

    This video has INCORRECT information! A surviving spouse will receive a percentage of the deceased spouse’s FRA benefit (71.5% to 100% adjusted for age from 60 to 67) if the deceased spouse had not applied for benefits prior to death. If the deceased spouse had filed for benefits prior to death the surviving spouse will receive the greater of the full (100%) amount the deceased spouse was receiving at the time of death or 82.5% of the deceased spouse’s FRA benefit. A survivor DOES NOT have to be of full retirement age to receive this benefit.

    • @TheMedicareFamily
      @TheMedicareFamily  2 года назад

      That’s correct. You misunderstood my attempt at simplifying a tough topic

    • @rfern263
      @rfern263 2 года назад +6

      @@TheMedicareFamily Respectfully, I understood perfectly. You didn’t dumb it down, you got it wrong. You conflated the two types of survivor benefits and you said a survivor needs to be full retirement age to collect 100% of a decedent’s benefits if the decedent was receiving benefits when he/she died. That is not the case. If the decedent was receiving benefits at the time of death the surviving spouse gets either 100% of the actual benefit or 82.5% of the decedent’s benefit at the decedent’s FRA, whichever is larger. Only when the decedent had not applied for benefits are survivor benefits adjusted for the survivor’s age, and only survivors of full retirement age receive 100%. You should really correct the record or pull the video because people viewing it may be making life decisions based on your erroneous information. It is indeed a difficult topic to understand but if you present yourself as an expert maybe you should do a little more research.

  • @markcook1218
    @markcook1218 2 года назад +1

    The rule isn't 10 years, it is 10 CONSECUTIVE YEARS. That is a big difference.

    • @TheMedicareFamily
      @TheMedicareFamily  2 года назад +1

      An excellent point, Mark. Generally speaking, you must be married for one year before you can get spousal benefits. A divorced spouse must have been married 10 years to get spouse’s benefits.
      Here is a link to the SSA site and a bit of information:
      faq.ssa.gov/en-US/Topic/article/KA-01999

  • @stuartclark7766
    @stuartclark7766 4 месяца назад

    What if she is only 55 when she passed away? I'm 61 and a half and she passed away at 55 but she was making really good money at Walmart for the last 20 years and when we in were in North Carolina she was in management for Ingles market. So she's worked consistently for the last 35 years. But how long do I need to wait to draw off off hers?

    • @TheMedicareFamily
      @TheMedicareFamily  4 месяца назад

      Until you are not working ft or at your full retirement age. See my long videos on Widow or Survivors Benefits

  • @carleenprzybocki5675
    @carleenprzybocki5675 3 месяца назад

    Just wondering what the timeline looks like from application interview to when you would start to receive survivor benefits?

  • @lindagodin250
    @lindagodin250 Год назад

    My husband passed away at 41. I just turned 60 this year. Can I file for survivor benefits and my benefits at the same time? Can I collect both?

  • @PollyPatriot
    @PollyPatriot 9 месяцев назад

    What if you have a child in care and your spouse dies. Would you get 75% if you’re not at full retirement and once you reach full retirement age, get the 100% ?

  • @irmahard4342
    @irmahard4342 Год назад

    Very interesting

  • @jenniferrmcclelland2883
    @jenniferrmcclelland2883 7 месяцев назад

    What happens if you are a widow, and wait for your retirement age, can you only draw survivor benefits and not your own social security as well?

  • @Zues64
    @Zues64 3 года назад +2

    good video thx. could you explain the widow limit rule and how to determine the optimum claiming age?

    • @TheMedicareFamily
      @TheMedicareFamily  3 года назад +2

      Michael, there are lots of variables on this--give us a call at 800-970-1964 and we can help you determine how they apply to your unique situation!
      (never a cost or an obligation to work with us)

  • @rosiegreenawalt1935
    @rosiegreenawalt1935 Год назад

    If you have been married to two men
    1 passed 15 years ago which I already recieve his SS widow benefits now for 15 years. We were married 18 years.
    Now second husband married 10 years and he just passed December 2023. Am I allow to collect his SS widow benefits also? If so how do I go about it for second deceased husband ? Can you collect widow benefits from both deceased husbands??

    • @TheMedicareFamily
      @TheMedicareFamily  Год назад

      Potentially, Rosie--we recommend contacting the SSA directly with your questions.

  • @JoyceKing-en8jf
    @JoyceKing-en8jf Год назад

    So, I have read that if the ex wife has remarried but after she turns 60 she is still eligible to receive benefits if her ex spouse dies as long as she meets the criteria of 10 years of marriage. Is this still correct?

  • @davedtheisen5569
    @davedtheisen5569 6 месяцев назад

    Thank you for your very important subject. Our government isn't going to tell one anything about the SS system for your benefit. If no one claims those who paid in n passed away, the government KEEPS those funds. So ask many questions as possible... everyone's situation is different.

  • @AngelusaNobilis
    @AngelusaNobilis Год назад

    I am no widow, just the mother of a son who's dad did unalive at age 40. I have a phone interview this week. I'm scared. What if it's not enough to keep us afloat? 😢 I'm scared.

  • @franmcdonald4702
    @franmcdonald4702 7 месяцев назад

    What if the deceased spouse was retired at age 70 getting a 125%. Would the widow get that full amount?

  • @joycepetty2264
    @joycepetty2264 Год назад

    My husband passed at 59. Never took SSI, however received SSDI. Can I apply for survivor benefits when I turn 60. Can I switch to my own when I reach FRA? My SSI benefits will be higher by then?

  • @shamoel
    @shamoel Год назад

    I am 62, collecting survivor benefits for the last two years. I want to go back to work full-time. Can I stop collecting the survivor benefits and collect my own benefits at FRA.?

  • @Hartsdream
    @Hartsdream Год назад

    Please help. My husband Tom went on disability at 59 or 60 and passed at 63. From stage 4 Cancer. Tried 5 years fighting Va for benefits but they never reconnized his illness. They wont give me widows pension or Cid nothing. He served over 20 years in the military. Viteitnam, Kuwait, Germany.. worked with chemicals transfers ( top secrets). Now the crap i hear - they cant find his records and there is nothing they can do for me.

    • @Hartsdream
      @Hartsdream Год назад

      I just want to know with his surviving benefits , will I lose them since I'm on disability? I'm 57 with kidney failure.

    • @Hartsdream
      @Hartsdream Год назад

      I heard once I'm close to 67 I will lose it.. is that true?? SSI Is saying I made more then him.. they are NOT right!!

    • @TheMedicareFamily
      @TheMedicareFamily  Год назад

      I would suggest consulting an attorney.

  • @mellissaromero2823
    @mellissaromero2823 2 года назад +1

    If I am a minor and I get survivor benefits from my parents passing away is my survival benefits rightfully my guardians?

    • @TheMedicareFamily
      @TheMedicareFamily  2 года назад +1

      Whenever a minor child receives a benefit, the Social Security Administration pays the benefit to a representative payee. This representative is required to be able to show how these funds are utilized.

  • @carnut7436
    @carnut7436 2 года назад

    🙏 thank you

  • @marielphillips7473
    @marielphillips7473 2 года назад

    My husband died of cancer at the age of 61,and a railroad worker, we’re married for 2 years and I only work for less than 10 years, so I am now 60 yrs. Old never been married so can I get survivor’s benefits from SS and how much? Can I apply now or wait till I am 62 yrs old Thanks

  • @MarleneCerreta
    @MarleneCerreta 2 года назад +2

    Thank you for all the helpful information. I was married for 42 years. My husband passed when he was 62 and was not on social security at any time. Can I still get his full social security amount if I wait until my full retirement age?

    • @TheMedicareFamily
      @TheMedicareFamily  2 года назад

      Potentially, but there is no way for us to know without more detail. Please give us a call and we'll be happy to help!
      800-970-1964

    • @chesshead3943
      @chesshead3943 2 года назад

      I think the answer to your question is yes. Check with Social Security.

  • @rosamedina295
    @rosamedina295 Год назад

    Hi; please helping understand… I am 62 years old, I currently receive pension from the state , my husband is also 62 years old , he just file for benefits. However , he apply for me to receive benefits as his wife ,,,they told us that I couldn’t receive benefits because I receive benefits from the state from the union not from social security,,,how is that possible ? I just Don’t understand I paid taxes since I start working 40 years ago.

  • @patriciachandler7286
    @patriciachandler7286 Год назад

    I am divorced (for 14 years) after having been married for 24 years. I never remarried. I started taking my own social security at 62.
    Would I be eligible to take my husband’s benefit if he passes away. If He started taking his SS at age 70.

    • @TheMedicareFamily
      @TheMedicareFamily  Год назад +1

      If he passes you would be eligible for survivor benefit, it doesn't matter when he started drawing.

    • @DavidHarvey-qs8ig
      @DavidHarvey-qs8ig Год назад

      Hello Patricia good evening

  • @tangelaphillips4409
    @tangelaphillips4409 10 месяцев назад

    If my xhusband passed at full retirement age ,but his xwife is getting her retirement at 63 and we were married over 10 years, how much would the xwife that never married,neither the xhusband, how much would the xwife get of his retirement?

    • @TheMedicareFamily
      @TheMedicareFamily  10 месяцев назад

      it's based on your age when you draw. see my cheat sheet for all the amounts based on age. www.themedicarefamily.com/? under the RESOURCES tab

  • @connieestabrook5954
    @connieestabrook5954 2 года назад +2

    Glad I found you.
    Question. My spouse passed in 2009, he was legally blind and collecting SSID. I also am on SSID now since 2017. Can you get your own SSDI and survival benefits also??

    • @TheMedicareFamily
      @TheMedicareFamily  2 года назад +3

      It is most likely too late for you to claim against his earnings record, Connie. But. (there's almost always a "but")
      We recommend calling the Social Security Administration directly or you can call us with questions specific to your individual circumstances at 800-970-1964.
      We're happy to help you determine your potential benefit options at no cost or obligation.

    • @myplaylist7007
      @myplaylist7007 Год назад +1

      @@TheMedicareFamily There is a time limit to claim it ?, and if your on ssdi you can't claim it ?

    • @marcinkacper9291
      @marcinkacper9291 Год назад +1

      Hi 👋
      How are you doing?

  • @tammy2465
    @tammy2465 Год назад

    I was married to my spouse for ten years we've never got a divorce I'm a widow 58 on ssdi so can I still get survivors benefits

  • @shelleyclay1732
    @shelleyclay1732 8 месяцев назад

    Can a widow collect husbands survival benefits and her retirement??

  • @TK.000
    @TK.000 Год назад

    I don't understand how the ex can get his benefits if he remarried. Doesn't make sense.
    And if they want to give double when he dies, why don't they just give him double when he retires.

  • @janetdavis5619
    @janetdavis5619 2 года назад

    Ok, I was married 40 years, he passed when I was 58, he was 60, I started receiving his SS when I turned 60, now I am re married, if I'm married to him 10 years when he passes, would I then receive his full SS amount, replacing my first husband's SS?

  • @dianagomez2610
    @dianagomez2610 Год назад

    I am 60, still working. My husband died in 2021 at age 58. When am I able to draw his SS? And what %, since he had not yet started drawing before he died?

  • @trinamarino9942
    @trinamarino9942 Год назад

    If your Divorced and yours is less can and you take it Age 62.Yours and his? At 62

  • @jeansutton527
    @jeansutton527 2 года назад +1

    What if I remarried and divorced can I still collect on my first husband’s after he passed

    • @TheMedicareFamily
      @TheMedicareFamily  2 года назад +1

      It would depend on several factors, including how long you've been divorced from your subsequent spouse, Jean. Give us a call to help you determine your potential benefit options at 800-970-1964.

  • @Thatsswell-hr9ev
    @Thatsswell-hr9ev 8 месяцев назад

    Hello! 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 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.

  • @skewedviewvids
    @skewedviewvids 8 месяцев назад

    i spoke with SS office today and they advised if my husband (65) takes his benefits now (at the reduced FRA rate), I (62), the much lesser earner, can take 50% of his now as well.
    If he passes and I am under my FRA, I can only receive 82% of the reduced amount he took, not 100% of the reduced amount. He said the "very complicated math" SS applies to this widow benefit means 90% of widows could get 100%, but that 10% would only get the 82%. I asked what was the determining factor for that 10%. He had no idea.
    Does this sound correct?

  • @RashadSims-bh3zz
    @RashadSims-bh3zz 9 месяцев назад

    I have a question what if it's been yrs that your father passed away will u get their benefits and how much will it be

  • @zeitgeist888
    @zeitgeist888 6 месяцев назад

    Do survivor benefits get impacted by WEP or GPO if the surviving spouse has WEP or GPO situation but the deceased spouse did not?

  • @marshallhosel1247
    @marshallhosel1247 2 года назад

    Thank you

  • @bridgesart
    @bridgesart Год назад

    What are the retirement benefits when you lived in a common law marriage for over 20 years?

  • @Proliferate.
    @Proliferate. 4 месяца назад

    I have a good question for you. If my dad died in 1993 and my mom claimed survivor benefits which she got till we all turned of age then they stopped the payments. Now my mom is turning 62 next year. Can she claim survivor benefits again? If she can she could take his now at lower amount and when she turns 67 she can switch to her full benefits? Thanks.

  • @johnbradley681
    @johnbradley681 2 года назад

    My wife was on disability social security for 9 years and she passed away 6 years ago and I am 58 now - can I get suviovor benefits

  • @garryclark1085
    @garryclark1085 3 месяца назад

    I am on SS disability. I will be full retirement age in about 1 year. If I die during that year, can my wife draw my full amount if that happens when she turns full retirement age?

  • @Gagaloon
    @Gagaloon 6 месяцев назад

    Can you take your ssa benefits at age 62 that pay $1000 a month and at age 67 stop your benefit and claim the widow benefit that pays $2000 ?

  • @badawesome3047
    @badawesome3047 Год назад

    What no one seems to talk about is if your spouse dies and has a lower benefit than you. You can take your survivor benefits at 62 and then allow your own benefits to increase until full retirement age or 70, and then take your own benefit that is now higher than it would have been had you taken it earlier.

    • @TheMedicareFamily
      @TheMedicareFamily  Год назад

      You can actually claim survivor benefits as early as 60 (50 if disabled)

    • @bonnessacoy8990
      @bonnessacoy8990 8 месяцев назад +1

      My ex husband passed away this year. We were married for 15 years. At 60, if I draw benefits from him am I allowed to work full time? Is my income from working means tested?

  • @donnaharding7702
    @donnaharding7702 2 года назад

    I am turning 66 my husband and I were married over 30 yes, however separated.
    He passed away at 64, past two years on disability.
    So from what I understand do I only get what he was collecting for disability

  • @danieltyler9661
    @danieltyler9661 Год назад

    My wife is from Thailand. How does that work for her. She is not a USA citizen, but we are legally married.

  • @janethwendel46
    @janethwendel46 2 года назад +1

    I was married 37 years. I was a homemaker all those years. I’ve only worked since we divorced. We have both remarried. If my ex passes away, am I able to collect anything from his SS?

    • @luannsims2159
      @luannsims2159 2 года назад

      No because you remarried

    • @TheMedicareFamily
      @TheMedicareFamily  2 года назад +1

      You must have been married for at least ten years and not remarried before age 60.

  • @917Stefano
    @917Stefano Год назад

    You covered a complicated topic in a clear way. However, what if Bob died before he got around to claiming Social Security benefits? Can his ex-spouse still get benefits based on Bob?

    • @TheMedicareFamily
      @TheMedicareFamily  Год назад +2

      Yes as long as she didn't remarry before the age of 60.

  • @devhoward223
    @devhoward223 Год назад

    I am 10 years younger than spouse. what if I collect early retirement and he also collects early retirement afterwards passing away. what would be the % I would receive from the survivor benefits as he makes 3x as much.

  • @cheryleastwood4339
    @cheryleastwood4339 7 месяцев назад

    Are survivor benefits taxable income on federal tax return?

  • @47akss
    @47akss 2 года назад

    If you moved to USA worked 6 years and you spouse died, how do that work? Do they look at the 1 and a half credit the person work in there last 3 years for the spouse to receive benefits for widow?

  • @minnietorres8570
    @minnietorres8570 Год назад +1

    Thx for all you do.but maybe you can do a video on people who was on SSI have a long time relationship n finally gets married but he passaway 3mts after we get married 9 apply n they said i dont qualify been fighting the VA for spousal benefits n still waiting he pass on nov.2021 .i have been disable most of my life with lupus copd n GBS .even thou ee didnt live in same address because he was an over the road trucker so i live together with my son i couldnt be alone but he made ot his busdiness to be with us on all important holidays all family n friends acknolege us as a couple for more than 25 yrs ehat is your opinion and can you explain my situation and if sime day ill be able to get his SS . Blessings f om NJ