Former SSA Insider: PART 2; Maximize Survivor, Widow Benefits! Explained!
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- Опубликовано: 14 окт 2024
- PART 2! 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!
😊😊WE NEED YOUR HELP! Anything you can do to get the word out about our channel is greatly appreciated! How about your local news? Dr. Ed would love to appear on your local news to promote this critical information to your local community. How about sharing? Facebook, Twitter, Instagram, places of worship and work, community and senior centers! Do you know a famous celebrity or social media influencer? Please have them share our channel. My contact info: ed@mygovexpert.com
⚠️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
☎📞Don’t want to ask your questions during our FREE LIVE Q&A Sundays 3pm PST (6pm EST) or Thursdays 4pm PST (7pm EST)? How about a private one-on-one call with Dr. Ed? Click here to schedule: calendly.com/mygovexpert/consult
I am going to do this talk to you soon. I love your videos.
Whats your fee for one on one call?
Thank you very informative
Holy cow, lots of good information.
Thank you!! More to come!!
I have a friend who was married for over 10 years and divorced many years ago without knowledge of getting benefits off of
ex-husband's ss benefits. The ss benefit he is receiving is more than her measly $1,000 per month, and she is struggling. I will share this information with her. It can't hurt to see if she can receive more. Thanks for the education. 😊
Perfect! We need many more millions like you to look out for people in need!! Thank you and take care, Ed
Yes, my grieving father in law lost his wife, and then the next month the government deducted her $600 check amount from his social security! I've never looked at government any way but adversarial after that... disgusting.
But now he can get a chunk of it back. They just passed that law on part 1 I guess he told about it.
You seem like such a nice man. The story of the widow with binder made me cry . Real love ❤️. Reminded me of my husband he always took care of me.
Thank you! Me too...but I think I did a pretty good job of not choking up....or maybe not. Take care of yourself, Ed
Can I apply from my ex-husband survivor benefits in Canada last year I start my benefits over here and Oneida state
Thank you so much for this clear explanation
Absolutely warms my heart when men love their wives and families that much and want to take care of them until the end of time. My ex husband is Disabled with MS and was very upset our boys got to collect off his SSDI because it would take money out of his pocket he worked for. I have been on SSDI for 14 years for multiple compassionate allowances and now terminal, he called our local SSA office and told them that bitch better not be able to take any of my money. I sure hope I can lol, just out of spite 😂
When I went to the Social Security office to file for surviving spouse benefits after the death of my husband, I was told by the young lady behind the desk that I was ineligible because I was not an American citizen. I think she must have been new to the job.
Yea, that's not right at all! If you are a legal resident then you are eligible to apply.
You suppose to be an USA citizen to be eligible for SSA benefits.
If I am 80-years old and my ex-husband of 25 years passed away, am I entitled to my own social security PLUS a widow’s benefit? Thank you.
@@lseh4720I believe you get the difference of the higher.
Say your spouse’s benefits is 3000 and yours in 2500.
You’ll get the difference of 500 to get 3000.
But if your benefits is higher then your spouse, you would not see a difference.
Wow, you really are pumping out some great videos! I almost need a Slowdown speed button. LOL I appreciate all the information and we'll try to pass it along
You're so welcome! I'm just getting started, Take care, Ed
Thank you so much for your teaching, sir.
You are most welcome
Congratulations The video really clear super professional im widow survivor my question i need to retired this year at 67 i need to file thank you.
Yea, I'm getting a little better at the whole RUclips thing!
God bless you and thank you very much for your caring ways.
Dr. Ed, I am 74 next month, my spouse is 48. I retired at 62. I will surely die before her. We have been married for 15 years, so far. When I pass, maybe at 80 or 85, God willing, at what age would she need to be to file for survivor benefits? She has worked 10 plus years so far?
Just asking for future reference. What percent might she get since I retired early?
Thanks for your time. You are definitely the best source I’ve found on this subject.
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
Watch part I of this video. He lays it out pretty well.
if I start collecting widow's benefits at age 60 and continue to work at my job making $50,000 can I just repay any overpayment each year if I work a few more years
An unusual technical question, I'm helping someone explore their survivor benefits:
In the AnyPIA software, what is the "PIA at entitlement" shown in the "Re-Indexed Widow (1983 Act)" output?
Thank you for the tip on not needing a death certificate!
You're welcome!
When I reported my husbands death to SS because he was a veteran receiving benefit from a Pact Act 100% disabled and a year of SSDI. SS said because we were only married 7months that I didn’t make the cut off. But I heard common law which we have been together 11yrs.
Check your state for laws of common law marriages. Ohio stopped them in 1991 so none here now. My dad and step mom was together 27 years and they said jump this way that way and still refused to give her off my father's ss. Even 10 years of original tax papers. They only asked for copies from irs. But we found original ones and still denied her. Our government sucks.
You might get help through the VA. Can't hurt to ask. Best wishes.
I was told by SS by 2 different workers that my survival/widows benefit will be 100% of what my husband would have gotten if he waited for FRA and not 100% of what he was getting..He retired at 62..but they both told me after figuring all the calculations that no, I wouldn't be getting 100% of what he was currently getting..that I would get 100% of what he WOULD HAVE gotten at full retirement age.and yes, I am 70 so at my FRA. I had my interview with one and she told me that is what I was getting. I had no idea and hadn't heard this anywhere before, so I called and spoke with another worker and they told me the same thing..
So it sounds like you are already receiving survivor benefits. It's normally reduced if he took retirement early. If he was receiving disability benefits, then it won't be reduced.
Thank you!
You're welcome!
You really are AWESOME!
Wow, thank you!
Thanks.
You're welcome
Dr.ed my husband just recently passed away at age 63 i am 61 going 62 in September. I got letter from ssa saying i am only in tilted to the $255 at this time and my husband was the bread winner . I only get $415 a week. They said i could appeal this case in 60days.
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
Wow! Thanks for this information. I am 55 surviving spouse of a disabled veteran and care for our Disabled adult child. I receive social security survivors benefits for me snd my son. I am contemplating filing for disability due to my car accident and thyroid/ arthritis. I really need it for the Medicare because the medical bills are killing me. I have Champ VA but adding Medicare would be a blessing. Can I set up a one on one with you or a Q&A?
I'm doing a long series on disability now. First 2 parts already uploaded...more to come. I'm doing very limited calls but have to charge for those. You can request a time in one of the video descriptions. Take care
Hi, if you can get the Medicare you will be amazed Medicare and Champva together are like a match made in Heaven for coverage.
The notebook story was great. I plan on creating a binder for my wife jokingly called the BBOD. The Big Book Of Death. It will have everything.
I like it!! Interesting title! lol A bit of darkish humor...the Marine Corps Sergeant in me appreciates that! I told my wife just to buy a new fridge when I died...they come in a big box!
@@MyGovExpert LOL now that is dark!
I'll do my part.. thank you for letting us know 🙏 ❤
I'll need more help concerning not only divorced spouse benefits I'm on disability. My age is 58, and I'm not sure if it's been 2 years yet. Yes I was married 14 almost 15 years. He took the kids the house. We agreed to share custody, so I left Alaska to be closer to family to heal. only to find out he said he hired a lawyer for divorce and used our 2 kids against me. Since 2007 I'm still working on fixing and repairing my relationship with my kids without blaming their dad. He died. I was forced to give my youngest to his family. I'm in counseling, stopped drinking, and am back on track. Dr.Weir help
Thank you
You're welcome
My mom called today, she turns 60 in 2025. SS told her she was not able to claim WIB since my Dad, he died in 2013 at 48, was ineligible. He was on SSD and had worked for over 25 years at a high paying job. We are so confused.
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. MORE HELP HERE: linktr.ee/MyGovExpert
I am 66, and about 2-3 years ago I started receiving spousal benefits, now divorced and my ex just passed away. Can I still apply for survivor benefits? We were married for 36 years.
If missing work years off ss you can get copies of your tax returns from the irs. And correct them. The irs keeps them forever!
What about a surviving spouse in their 60’s that cannot work to full retirement age due to disabilities. are their any additional financial help in addition to survivor benefits that are forced to retire earlier than FRA?
You should apply for disability as well. And watch my 4 part series on "How to Live On SSA Alone"...lot's of programs there that might help.
Thanks
You're welcome
Hello Ed , I wanted to know how to get widow benefits my husband passed away in 2011 age 60
I continued to work , I made to much money at the time which made me ineligible. When I tried a second time I'm not sure the reason I was't eligible because time has pass.
Also what is the medicare supplement program. Thanks
What if I build a tiny house in my nephew's back yard, would I lose benefits
Thanks
You're welcome
Hi, Great videos. If you are under 60 and receiving child survivor benefits until the child reaches 18 what can you do when you turn 60? The child survivor benefits don't impact your possible survivor benefits that you could start at 60, correct? Spouse was not taking any benefits (died young). Also, it seems like you have choices at 60 - you can take either a reduced survivor benefit and wait to take your benefit until it grows to a larger amount OR wait until 62 and take your own reduced benefit and let the survivor benefit grow if it will grow to more than your benefit. Is that a good understanding? Thanks you!
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. MORE HELP HERE: linktr.ee/MyGovExpert
I'm on SSDI with widows benefits and I'm disabled, I'm 59 and I was told that I had to wait until I turned 60 to remarry, but you say that I could have been married again before next year?
Hi Dr Ed...My husband just passed away last November. He was getting his SS and VA check monthly. Nothing has been automatic with SS for me and they were fast to grab that last check right out of the bank! Advise?
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. MORE HELP HERE: linktr.ee/MyGovExpert
Dr Ed- Great information. I haven't seen any information yet on how SSDI affects survivors benefits amounts. My husband was on collecting SSDI for 3 years due to ALS. We were married for 4 years when he died. He was 46 at time of death. I have not remarried, I will be 60 Oct 2024. I am looking at filing for survivor benefit either at 60 or 61. What effect will his taking SSDI be to my benefit amount? I am wondering if his SSDI amount at time of death is the amount that my survivor benefits will be based. Or rather will SSA figure the amount to be what he would have if he had lived to FRA? Or something else. Thank you.
Sir, I would like to thank you for creating these videos. I just by chance stumbled upon this one (and part one).
I am 57yrs old, and currently receiving my Social Security (disability). I am also receiving VA disability. Last October my wife of 29yrs passed. She was 56, and not receiving her social security. I watched your video and still not sure if I can file for her SS benefit now?
Thank you in advance
Different info from 3 different people at SSA. I am a widow. Married over 30 years. My DOB is 3\11\58. My late spouses benefit is more than mine and I will collect his benefit amount. I work full time and am planning on retiring in the spring. I had 2 gentleman tell me I should have been receiving benefits starting last July. But one told me not to because I wouldn't be my FRA so then my benefit would be less. Does this make sense? Thanks for any help!
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. MORE HELP HERE: linktr.ee/MyGovExpert
What happens if a wife thought she was divorced and finds out after death of spouse that divorce wasn't finalized. They were married over 30 years. What benefits would she receive if she's 62 and already been disabled and on ssi?
Does Social Security use your gross pay or reported W-2 wages to find out whether you are under or over the yearly earnings limit?
For example, the 2024 income limit is $22,320. And on your W-2 your gross pay was $25,000. But your reported W-2 wages are $18,000. Because you paid pre-tax dollars for health insurance. Thanks for your help!
Help available here: linktr.ee/MyGovExpert
Hi Dr Ed. I am 60. My husband started collecting at his FRA of 65. He passed away when he was 78. Are my survivors benefit amount based on his SS amount at 65 or when he died at 78? We were still married when he died.
I am collecting survivor benefits and plan to switch to my own when I turn 70. Will I need to go into the office to switch or can I do this online? Also is there a way to find out how much I will receive without applying. Because I am receiving survivor benefits they do not show my amount. Thank you!
Family member trying to get replacement Social Security Card in Austin, TX. Has tried for the past 6 months. Multiple visits to the SSA office, told was held up for possible fraud, then asked him to bring in his parents birth certificates AND his birth certificate, then told card was released, then told in review, etc... NOT getting help at the SSA office, what can he do? Thanks
Sorry to hear that. Try this: ruclips.net/video/Bh_lLFd4Z6g/видео.html
Hi Dr. Ed. A friend of mine in Indonesia has been advised that because Indonesia does not have a totalization agreement with the U.S. that she can only claim 'Survivor Benefits' if she becomes a citizen of the U.S. or anoyjer country that has an agreement with the U.S. Is this correct? and is there a time limit on when she can claim? Thank you in advance
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. MORE HELP HERE: linktr.ee/MyGovExpert
I was married for 15 years until we divorced many years ago. I retired few years ago and receive my retirement benefits from the SSA. My ex spouse is still working and has a good life. I saw your video in RUclips that interest me to know if I'm entitled to spousal benefit also. Thanks
If he is at least 62 years old and it doesn't matter whether he already filed for benefits, you can collect spouse benefits if his benefit is twice your full benefit amount.
Hi Ed, Could you make this clear in a video. My husband received a dissabilty benefit before age 60. He died at age 59. I am 60 and would like to collect widows benefit. Was his dissabilty benefit a reduced benefit of his FRA? Would his benefit have a Widows cap on it of 82.5% and such I should take his benefit at my age of 62 1/2 instead of waiting until my FRA? If there is a Widows Cap- then does this mean 82.5% of his “At death amount benefit?” Thank you dearly for your Vidoes!!
You would receive benefits based on his full benefit amount at his full retirement age The only reduction would be due to you taking it early. If you waited until your full retirement age, you would receive 100% of his full retirement age benefit. Hope that helps, Ed
Sure...around $1,000 a month...
I watched all your videos on social Security spousal, death, benefits, and none of your videos talk about my specific situation. I seem to be unique.
Please join my LIVE Q&A
If u draw off dead husband n remarry at 60fir one year. Can u draw off both
I'm 60 and wife 40, she has never paid in to SSI because of being homemaker with 3 children. Does she have to work the 10 years for 40 work credits or will she be able to use mine if something were to happen to me? Also would she get the 100 percent or just 50 percent if ex wife from previous claims off me? I was married to ex for around 15 years and current for around 14.
I was widowed at 51 and retired at 60. I planned to take my early benefits at 62 which is three months away then switch over to survivor benefits around 67 at FRA or anytime between 62-67 at reduce benefit. At my appointment in March I was told that I could do this and to call back in August to have the application filed. When I called to file the application the representative was addiment that I could either receive my own early at 62 or my reduced survivors benefit and it could never be switched. When I asked to speak with someone else since I was getting conflicting advice I was hung up on. I am 99.9 % sure she was wrong but I don't want to make a $2,000 a month mistake. Any advice would be helpful,
Please join one of my LIVE FREE RUclips Q&A sessions so I can give you a more accurate and complete answer. Or, you can schedule a private call here: linktr.ee/MyGovExpert
Thank you for these videos! My husband passed away at 54 and I am 51. I have a couple of questions if you have time. 1) As far as I can tell a widow cannot draw benefits any earlier than 60, unless they have a disability or some extenuating circumstance, correct? 2) If I have more invested in SSI, would it be best to start drawing out on my survivors benefit at 60 and then wait to draw mine at 67?
Correct, you can't start benefits at fifty unless you're disabled. I really don't want to give you any financial advice in a comment like this without knowing the numbers.
Hello, Dr. Weir, thank you for all of the info you share.
I'm hoping my situation is without variables!
I'm 62 as of this past Feb.
My husband passed in 2022 and was at FRA and collecting 100% of his benefit.
I work and earn over $22k yearly.
●Should I wait until I'm FRA to collect 100% of his benefit (which will always be higher than mine) ?
I was getting. my full retirement at 65 my husband and I separated for 20 years no divorce he pass 2019 at the age of 82 with disabilities he was getting disabilities social security was I suppose to get 100 percent of his benefits his earnings was. Much higher than mind
I may have missed it, but if a spouse took their SS benefit before their FRA and their spouse dies, will their survivor benefit be reduced by the same percentage of their current benefits.
Probably not because you got older, therfore fewer reduction months.
What happens if the deceased Worker had two, 10-year marriages and one of the surviving spouses already receives the Widow’s Benefits, but the other spouse later files for the Widow’s Benefits on the worker’s record?
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
Both surviving spouses (of ten year or more marriage) current spouse and x-spouse, can both apply for the survivor benefits. They do not effect each other.
Under SS Survivorship program and guidelines, does the surviving spouse recieve 100% of their own (and current collecting) monthly benefit, PLUS 100% of the amount their deceased spouse entitles them to recieve? In other words, the suriving spouse gets TWO full retirement benefits based on their entitlement. Or, is there a calculated deduction or negative offset based on the higher earning spouses benefit, which is similair to a spousal auxiliary (top-up) rules? ~ Thank You. - Ken 🙂
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If I am hearing you correctly, I, who receive Survivor's Benefits from my 2nd husband can receive Spousal Support from my living ex-husband's Soc Sec.
I was told a few years ago, in the Social Security Admin office, that 'what I am gettingis all I'll be getting'
I was married to my 1st husband for 15 years. .
As for knowing his work record...I have his Soc Sec number memorized. Wouldn't SSA be able ro run his income records? We were divorced in 1990. He's 72 and worked til 66, I believe. Possibly longer.
I have our marriage record, 1974, and our duvorce decree, 1990.
You can only collect from one ex spouse at a time, whichever is higher
I was married to my exhusband for 28 years, sadly he passed away at the age of 59 yrs in 2022, before retirement age. Can I file for surviver benefits on his record when I reach retirement age, since I'm no longer married to my second husband?
Please join one of my FREE LIVE Q&A sessions so I can give you a more accurate and complete answer. Or, you can schedule a private call here: linktr.ee/MyGovExpert
I did but there eere so many questions that you were not able to answer mine. Thank you anyway, God bless you for all you do!🙂
Am I restricted to only go to the SS office in my county? Can I go to any SS office? This would be for questions or get information or report something? It may be for parking difficulties, or transportation, or personnel issues, etc. Thank you for the videos
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 want to ask about the windfall act. My husband worked 20 years and paid into ss. Then 26 years with a company that had a pension plan but they didn’t contribute to ss. He is 70 and received a small amount 500. A month. Can they reduce him 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
My husband died at 64 and I am 61 still working. My pay is about 5,000 over eligibility requirements. Should I take my own retirement at 62 (1,000) and wait til full retirement age to collect survivor benefits?
You might need a private consultation
calendly.com/mygovexpert/consult
How long can I receive exposes surviver benefits after my child turn 19
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Dr Ed, my husband died at age 25, I m now 73, can I still receive survivor benefits. I do receive SSA now and remarried but separated. Thank you!
I believe as long as you're still married to the second husband you cannot. But once you're no longer married I believe you can. It's for sure we're checking into.
I would definitely call and see if there are any more benefits on his record
Hold on! Your husband passway at 25 and you were married 10yrs?
My husband passed away at age 27 in 1985.
My children Received survivor benefits.I however chose not to At that time. I am 60 now. I have read that there's a new rule going into effect in 2024 for Surviving spousal benefits . I was wondering if you knew anything of this new rule? I was reading on social security website that I can receive 100% of his and 75 % off mine. What my questions are:
100% of what? the baseline that he would have received at age 62 or is it based on whatever age i retire? And If I delay receiving Survivor benefits, does that amount increase?
Each each year like it has in the past?. Also can I still start to receive on his benefits while waiting on mine to increase or do I have to file at the same time?
You can’t claim yours until your 62 you can only get your late husband’s at 60 but if you are still working you can only make 22,300 a year otherwise for every $2 over that a $1 will be taken from your benefit
Thanks for all you do I just found you about a month ago I am disabled and drawing off my account my husband of 44 years passed in 2021 I called and told them the lady told me I could draw his when I got 661/2 because it would be the higher amount I started getting 174. for his I really wasn't expecting it I called ss and asked if I needed to do anything because June is my full retirement but she said I signed a paper back then and I couldn't get his I'm confused
Yes, that's common. You CAN file for benefits from a spouse or ex-spouse, but it might not get you any more money. I would give SSA a call again and confirm the amounts.
Well Done,
I have question. I am a widower at Full retirement age and I am receiving my deceased spouse survival benefit ( which my wife was getting from age 62 until she passed at 64 1/2). I am receiving ( as you explained) 82.5% of her full benefit . I am still working full time and want to continue earning credits to maximize my benefit by age 70. Why doesn’t So Islip security post my accruing benefit like it use too before I took a spousal benefit? My benefit accrual , since there is no deeming requirement, shouldn’t change ?
Your recent work, if it's your high 35 years, should reflect in your online account If not, just call SSA and they'll give you your numbers including your DRCs. Hope that helps, Ed
@@MyGovExpert thank you. It shows my earnings for my years since I began working 40 years ago but no longer my estimated benefit if I continue to wait. I assume I’m getting the credits (8% per year) as I wait . I will call them.
Will you please share your final results? I am in the same situation. Thank you
@@sheryllegg845 I have not had time to call however I was told by my financial advisor that my benefit is not affected by my taking my wife’s full death benefit ( my survivors benefit) . My benefit will continue to accrue over time as it normally would until age 70. At that time I will take my full benefit and not take the survivors benefit .
@@edwardloizides5415I have been wondering the same. I just got the approval for my SS and now I can no longer see the age scale and amounts at different ages. Kinda makes me mad even though it won't change, but I would like to view it for myself.
I was told my x spouse had to be deceased
If a man has 4 wives, 3 divorced and 1 current. He dies. Each divorced woman has been married 10+ years. Do all 3 qualify for the Survivor Benefits? So each exwife would get 100% of the benefit assuming all of them reach FRA? That is 400% payout from 1 worker.
Absolutely! One wouldn't affect the other.
I have applied for social security survivor benefits recently in last month , my husband passed away at the age 35,he worked for 8 years and contributed to social,Me and my husband are legal residents in usa,currently I am outside united states and don't have valid visa to stay in usa ,I have 2 kids both are US citizens,my application for Survivor child benefits got denied, currently I am unemployed . my both kids are under 16 years , we are outside united states .could you please help me how can I appeal ssa for request for reconsideration
Sorry to hear that. Please submit a Reconsideration SSA561 to your local FBU (Federal Benefits Unit). Good luck
I was told that if you work, your earned income and survivor's benefits are including under the SSA income limit. That's not right. They shouldn't count the benefits at all. It's not an earned income period. Please explain how it works.
Unearned income like survivor's benefits are not counted.
Thank you so much.
One more question...So if I collect disabled widow benefits, and I want to go back to work, will my benefit be cut off if I make more than the income limit???
Yes
Hi Ed, I thought you said in one of the videos that if I earn over $22,000 income
, SSA will deduct $1 for every $2.. is that right?
My mother and father are both deceased. My mother never remarried, worked and I am the only child (adult) survivor. I’m i eligible to apply for my mother’s SS benefits?
Only if you was young disabled I think it's 22 or younger. You had to be a disabled adult to draw on parents ss.
Can I collect my own ss and when my ex spouse passes switch to survivors benefits on his record. Or if i collect on his benefits at 62 can I switch to survivors if he passes?
You can start yours. And then when he passes, you can add those benefits on top of yours.
I’m near retirement, but my wife is so young. We have two minor kids (under 18). R my kids r going to get dependent benefits even if my wife is making close to 100K?
Thanks.
The children can get benefits on someone that's retired or disabled, but there is an annual earnings limit
@@MyGovExpert Thank you for the reply but still I’ve the following follow up question: I understand that I, as a retired dad, will be limited to an earnings limit or subject to withholding of $1 for each $2 if I earn more than the maximum yearly limit but will my wife also be subjected to the same earnings limit?
I am a Canadian but lived in the US for many year and payed into SS but was short 2 quarters to collect but, my wife that passed away in January of 2024 was collecting SS. How do I collect benefits as my funeral provide does not know how to send the funeral info to SS. Please help! PS my wife fell and broke her hip they were unable to operate due to liver issues.
If she was collecting Social Security, then they already have death Certificate. So I would call SSA and file a survivor claim.
@@MyGovExpert I talked to the funeral company here in Canada but they have no way to send a death certificate to SS. What can I do I have a number of Death Certs.
@@thomasmarshall2007Why don't you get the original certified death certificate from the funeral home and contact social security office yourself. Her death should have been reported and benefits stopped. If not those benefits will have to be paid back. Like Dr Ed said, SSA should have been notified and then you can file on hers.
Does my ex-husband have to be getting double my benefits in order for me to qualify for surviving benefits? Do I get 100% of his benefits?
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
What if you remarried before age 60. And have since divorced for two years. Would you still be eligible for widow benefits?
Probably! You should call SSA and file a claim. Good luck, Ed
@@MyGovExpertIs there a grace period after you divorce before you can claim survivorship benefits on a prior spouse?
Ques.: My husband died 8 years ago. He had just turned 59 and had just retired as an engineer with the Navy, 6 months prior. I was 50 at the time that he died. Now I am almost 59 this summer. I kept working my job after he died. I had/have his pension (annuity) (until 60) and health insurance (till death). I quit my job in late 2019. I have not really worked since then. Now I went back to college to get another degree.But my question is, should I wait until I am 70 to just collect under his highest SS benefit amount that I can possibly get OR can I still get that max benefit amount at 70 (that the SS office told over the phone 1 week ago) if I collected any survivor benefits earlier? Am I missing out if I don't collect anything until I'm 70? Sort of confused.
Sorry. Just too many variables to answer in a short comment like this. Join one of my live sessions or schedule an appointment, and we can go over all the details.
Hi, Dr. Ed. My late husband had glioblastoma and started receiving the disability social security benefits before his full retirement age. He died 2 months ago, I'm 60 now and don't work, he needed 24 by 7 care. What percentage of survival benefits I'm allowed at 67 which is my full retirement age - 82.5 % (since he started before his FRA) or 100%? Thank you
He was on disability so the widows cap won't apply. But when you collect early, it's almost always reduced.
Thank you! @@MyGovExpert
No that’s wrong. You can get 82.5% a lot earlier than 67
What if you had a domestic partnership through the courts, and then got married to the same person and he dies 5 months into the marriage from RSV can you still get his SS?
Please file!!! Each state is a little different and your case is unique.
Is there a scenario where I would not take spousal but instead take my lower paying benefit on my own record at 62 in order to maximize a survivors benefit at 67 in case my husband passes away before I am 67. I am 12 years younger. I am assuming that if we take spousal benefit at my age 62 then survivors would kick in automatically at a reduced amount if I am not yet 67. Husband is already receiving benefits and he started collect at his FRA.
If he is already receiving benefits then you can file for benefits on your own record, and then file for spouse benefits now or latter. The surviving spouse benefit will automatically increase based on when he passes regardless of when you started your spouse benefit.
Under survivor’s benefit or family benefit, children under 18 or 19 if still a full time student, is that high school or college too?
Just high school.
@@MyGovExpert What if kids are attending high school outside the 🇺🇸 past 18? Does that count? or only USA high school?
How do they come to a number for spouse on the 71% to 99% if the worker retired at 70 but spouse is 62? Is there a specific calculation?
Yes
Does social security count
T bill money as income that you keep reinvesting and using to help you get by? Do they use that as an excuse to lower your benefit?
Only if you're receiving SSI, the welfare based benefit
@@MyGovExpertI am not on welfare, so I guess I am good.
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I wanted to see if you could answer my question I just recently filed for SSDI and if I get it will be backdated to March of 23 I quit drawing survivor's benefits in April of 23 because my son turned 16 I am 56 years old would my SSDI benefits be the same as my survivor benefits were
No, your survivor benefits were based on your deceased spouse's work record. Your SSDI is based on your work record. Unless you filed for disabled widow's benefits on their work record.
I applied on his record he died when he was 45 and he never applied for any of it and I am 56 now I didn't have enough credits for anything
Apply for widows disability on my husband's Social Security it was my understanding that I could do that because I quit receiving survivor benefits and April of 23 so I am within my 7 years of being able to draw disability off my husband's record
Yes I applied for disabled widow's benefits on his record I've already been denied on my record I don't have anything to get on my record
Can you file on line for survival benefit ?
No, not yet.
@MyGovExpert As in, is it coming at some point? The near future?
What’s the difference between divorced vs auxiliary spouse?
Interchangeable sometimes....but auxiliary spouse is usually the current spouse.