Spouse's Guide to Social Security Survivor Benefits
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- Опубликовано: 6 окт 2024
- The Social Security surviving spouse benefit seems easy enough to understand. But hidden in the details are small nuances that can cost you - or your loved ones - thousands of dollars in missed benefits. But If you invest the time to make sure you know the rules, you can be confident that you understand the benefits available to a surviving spouse.
Here are some shortcuts to specific areas of the video:
3:25 What spouses are eligible for survivors benefits? Current vs.former spouses. Remarriage rules. Exceptions to the length of marriage rules.
7:50 How to calculate survivors benefits
12:20 How the Widow's Limit (RIB-LIM) works
15:30 How to use filing strategies to boost benefits
📙Resources In This Video 📑
➡️SSA Handbook section of the effect of remarriage
www.ssa.gov/OP...
➡️POMS Manual on remarriage
secure.ssa.gov...
➡️SSA Handbook listing the exceptions to the 9 month length of marriage requirement
www.ssa.gov/OP...
➡️The SSA's definition of "Member of Uniformed Service"
secure.ssa.gov...
➡️POMS Manual section on child in care benefits
secure.ssa.gov...
➡️SSA Handbook section that discusses the 2 year adoption window.
www.ssa.gov/OP...
➡️SSA chart showing reductions on a monthly basis
www.ssa.gov/pl...
➡️SSA page on determining full retirement age for purposes of a survivor benefit
www.ssa.gov/pl...
➡️SSA Research paper on how the Widow's Limit (RIB-LIM) caps a benefit
www.ssa.gov/po...
➡️ SSA POMS section discussing the Widow's Limit
secure.ssa.gov...
➡️ SSA page on the "prescribed period" when disability benefits must begin for early SS
secure.ssa.gov...
➡️Documents you'll need to file for survivor benefits
www.ssa.gov/fo...
➡️My article on "Can SS be garnished?"
socialsecurity...
➡️ Get a disability benefits evaluation
devincarroll.c...
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Don’t miss my free online workshop, “How to Choose the RIGHT Age to File for Social Security.” In this workshop you’ll learn:
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📜 HEAR YE HEAR YE: Some of my videos contain links to third party products, apps, and services. If you click through, I may receive a small referral fee to my media company (Carroll Media Properties) through their referral program. Rest assured, I only recommend products or services that I believe will be helpful and informative to my audience.
⭐⚠️⭐Please read this⭐⚠️⭐
⚠️I am not an attorney, SSDI advocate, or affiliated with the Social Security Administration or any other entity of the US Federal Government. I am a practicing financial planner, but I’m not YOUR financial planner and since I don’t really know you, I can’t give you advice. So please don’t take this video as specific advice for your specific situation. Consult your own tax, legal and financial advisors. 🙇🙇🙇🙇🙇
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If you’ve got patience I believe it’s a great time to invest… I’m no expert but as Warren buffet said he’s seen this happen a number of times throughout his life
@@BrunoLuke I've known I had wanted to start investing for a few months but just haven't been brave enough to start due to the market so far this year. I have $60k I want to transfer into an S&S ISA but it's hard to bite the bullet and do it. $457 is a huge milestone, Please what's your strategy? I will love to have an insight
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Devin, thanks for always giving us helpful information to navigate Social Security and get our best benefits. I just got off the phone, after waiting 2 hours on hold I might add, to make an appointment to apply for widow's benefits on my husband's earnings. The representative tried to convince me that I will have to choose between my earnings or my husband's because I am 66. I told her 3 times- no, I'm not applying for spousal benefits or my own. I want widow's benefits, Form SSA-10. She finally put me on hold and went and asked somebody. She said I am right. After age 66, it doesn't matter how much I earn. I can file for widow's benefits. And then at age 70, I will file for my own. It pays to educate yourself by listening to people like you!
Devin, I have watched so many you tube videos and I got to tell you no body comes close to the information you give in just this video alone! I want to thank you so very much.
Thank you for you CLEAR information.
As a writer of non-fiction informational articles ( or videos ), it’s important to remember the three Cs of good writing: Have CLARITY, CONCISENESS, and CORRECT INFORMATION. Again, thank you for your work.
As always, great information, and thank you!
Thank you for making this video. You made it very clear and easy to understand.
Such a great video! You answered my questions and I really appreciate the links.
Question: Do they make a Survivor Benefits Calculator were I key in specific data relative to me that includes entering my Delayed Retirement?
I plan on on retirement in October at 62 n a widower disabled since 98 u a big help
What they don't tell you is if you are the spouse and married over 25 years you don't get spouses higher social security if your county, state or federal pension is substantial.
I'd like to hear more about a spouse that receives SSD then passes away. What happens for the surviving spouse. Is it better to wait to take spousal benefits when the surviving spouse turns 67?
Thank you so much
My husband passed away last month, he was 65 born in 1958, on SSDI. I'm on SS and 65 born in 1958. Every time I look something up I get mixed answers, and all kinds of percentages. I do have an app. with SS.
Thank you. The added links in the description are great.
I'm a 63 year old woman and I'm drawing survivor benefits. I recently heard that I could sign up for Medicare now instead of waiting until I'm 65. I wanted to find out if that is true.
Only if you have been drawing disability for two yrs
Thank you for this vital information. Really appreciated.
I have scribbled. I love the way you explain thing😅
I've only been on disability 1yr and 8 months My husband died 10 16 2016 Not married myself We were married when he died Married 11 yrs
My husband died at age 64 four months before retirement he was receiving SSDI I’m receiving widow check cause I’m disabled am I entitled to his full retirement
He was disable 7yrs before he died
My income was higher than my husband’s, We both waited for full retirement, so my benefits were more than his,He passed at 79 years of age, so I did not get his benefits , only mine. We were married for 52 years, So I lost that income. But the expenses are still the same.
Hopefully Biden spouse ss benefit passes as the way it looks they would take 75% of yours and 75% of his and that would be your amount with out exceeding a certain amount. Write to your reps.
@@EmilyDme Biden promised ss people extra 4200 MONTH, HE LIES AND DOESNT CARE ABOUT AMERICAN PEOPLE, ONLY ILLEGALS
Appreciate the information . I do however have a question that I haven't heard you cover . If I'm a military widow and already receive a Survivors benefit from the military ,
am I still allowed to receive my late spouses survivors benefit from Social Seçurity?
Yes
Taking survivor benefit at 62.5 or when it reaches 80.5 of late hubby's ss, then switch to mine at 70 to allow it to grow at 130%.
Can any Layer open a class action against the Social Security and Government unlawful action against the Survivors benefit rights! ?
Devin, the typical case is that the wife takes her own benefit at age 62 and her husband takes his at FRA. Her own benefit is more than a spousal benefit. Now years later they are both past FRA and If he then passes away first, my understanding is she will receive his full benefit as long as it is greater than her own benefit. Is this correct?
That’s my question also
I wanted to know if I can more defense surveys now I have.a can walk
hank you for your knowledge my name is Marie Galloway i am 70 yrs. air force
Just like the IRS tax code.... and just like the small business PPP and EIDL grant/loan rules....is there ANY govt program that is not INCREDIBLY ( and maybe "needlessly" ) complex?...... can't this be simplified to only a handfull of rules?. I am a first-generation American and all my European relatives have all manner of "programs" they are involved with.....and they would fall over in a dead faint if they saw this.....
Thank you sooooooo much for this information.
Question: Can someone get survivor benefits and still work a full time job?
You must ensure you request a RESTRICTION to leave out either your survivor or your record benefit before adjudication of the benefit. If not , all eligible benefits related to your SS number will be included and you will forgo your ability to file for a survivor and then later file for your own . Extremely important!
Can I choose what benefits I want to receive.SSDI or my vetrerans. Oh boy this is getting my husband was disabled from the military and he died on count of the military.
@@marytolley5270 the Restricted Application is a strategy that I am referring to is for SS Spousal Survivor Benefits. May I recommend a Facebook member forum called Social Security Intelligence . You can join and forward your question to the members.
If I am disabled from COPD and I was in a car and I am totally disabled. He was a veteran and passed away from agent orange small cell lung cancer. So I need to get in touch with a lawer?? OR the VA . I get so much of his benefits from the military and I also get my benefits from SSDI. Please let me know who to contact. I know there's alot of people in the same way.Pepole need to know this.
I talked to the social security office on the phone and said I wanted to retire at the age of 62 all the sudden I'm like claiming survivors benefits versus divorce benefits and she said that I may just as much so now I am going to get $760 of mine and 100 of his spousal benefit and I don't understand he was made a lot more money I was a server all my life and he has been working at a high-end job for at least 20 years did I do something wrong or I don't understand please help me
PS I was married for 17 yrs and never remarried thank you
Your the best on all info
17:00 . Taking Survivor benefit at 60 and switching to your own benefit at 70.
My girlfriend just found out her estranged husband died in 2016. He had not contacted her all those years.
His Mother died afterwards & she owned property.
My girlfriend may be entitle to money from the estate.
My girlfriend is 65 & receives SSI.
Any help you can give me ( because I am better with paperwork & bureaucracy than she is ) would be appreciated.
When my husband died he was on disability getting 2200 a month
As told me first I would get this
Then they told me that since I took my ss at 66 and 3 mths they looked at what my ss would be at 66and since that would be more than me getting his I was denied his.
More useful info, thanks.
I'm disabled since 2012 and I am 59 my husband died but we have been married for almost 29 years. Am I still eligible to collect his benefits and will it affect my disability?
Devin
My wife has never worked outside of the home. My question is if she files before her FRB for spousal benefits off my work record will her survivor benefits be for ever reduced?
I love your videos, very informative and professional
I m 72 yrs old
married for a second time
the second marriage happened only one year ago
the previous marriage lasted over 20 years
the present spouse IS NOT AN AMERICAN CITIZEN and she is 60 years old
can the second spouse qualify for survivor's benefits??
your advice is very much appreciated
gus pagoulato
I have the same question.Peease answer.
He was on ssdi.he never got his social security he never filed for his social security. He was watering for full retirement.
What about the 2 year rule after divorce?
How do I find out what my deceased ex spouse full monthly benefit was/is?
Ask Social Security
A married couple are both receiving social security retirement benefits and one of them dies. Is the survivor entitled to receive any of the benefits the deceased spouse received?
If social security did not exist, they could have put the money away for themselves, but the government took it from them. If they had not been forced to give it to social security, the couple would have it available to them, and if one dies, the survivor would have it all.
7 years of the death OR 7 years after last payment for being parent in care .so you get 7 years after your child turns 16
My husband died at age 42 - he had been on disability for about 7 yrs prior to his death.
He was previously married for 10yrs and had 3 children with her, they are all adults now.
We were married 9 yrs and 10 months and he adopted my son, who is also an adult now.
How do I know if I can claim the survivor social security benefits and when would it be best? I am currently 50yrs old.
Plz help! Thank you!
Did you watch the video? Look at the charts that Devin showed, it shows the age you can file. The only way you can receive survivors benefits now is if you're disabled, if not you have to wait until you're 60.
You weren't married to him for 10 years. I doubt you can get survivors benefits
If both of us are already on SSA past retirement age, then one of us dies, does the surviving spouse get any additional benefit from the deceased spouse benefit?
You only get one benefit, so if the deceased spouses benefit is more you will apply for that and your will go away
I would like information on a child benefit for a deceased young man
What about social security disability benefits
I'm 70 retired at age 62. My wife is 62 and still working..My wife has recently served me divorce papers. How would that affect getting the survivors benefit should one of us die.
Thank you Mr Carroll
Great video but one thing I'm still confused about, if I pass away before age 62 would my spouse collect my social security benefit that I would have received when she reaches age 62? Or is the surviving spouse simply out of luck if the person they're married to dies before reaching age 62?
I am 78 years old and receiving full social security benefits.
I am married to a Filipina who is leaving in the Philippines with me. Will she be qualified to receive social benefits when I died? She doesn’t have social security number and never been in United States. Please acknowledge and thank you!
I am 70 years old and my ex spouse is 71. When he dies how much will I receive from surviors benefits.
Both my parents are retired. They were both collecting their SS and my mother was getting more than my father. My father just recently passed away. We were told that since my mother was receiving more than my father, she would continue receiving whatever it is shes getting now. Is that correct?
what if I have been disabled since 2002 and I was married eighteen yrs? he remarried. Will I be able to draw if he is deceased
Why won’t they let me know my deceased spouse’s earnings history? We’d been married 29 years when he passed away.
Also, my husband died before he was eligible for retirement, he was 56. Born in 1958
What about if you are receiving disability for yourself & your husband dies after he retire what are you entitled too...
Thank You. I enjoyed your video. I have a question. I've been widowed since 1990. My full retirement age, 66 2/mos will be Jan. 2021. I plan on signing up for my spouse's SS., but I've called the SS Office 3 times as was given 3 different amts as to what I will receive. Why doesn't anyone know the right answer? It's been very frustrating and confusing for me. Do I have to go down there and wait in a line for hours to speak to someone that knows what they are talking about? Please help me with this. Ready to pull my hair out.
The SS office closed. Must call someone working from home and make appt. Workers from home have no monitors and say what they know. This may not be correct answer. Get it in writing.
I have some questions.
I was married for 27 years my wife was 18 years older than me. When she passed away she was on disability. She was 69 when she passed. I was 51 years old when she passed. I was diagnosed with ALS 2 years ago. I'm on disability now. So can I get my wife's benefits now? I'm 55 now.
Scott Chastain If you are disabled before age 60 you can get your wife's SSDI now. Talk to Social security about your survivors benefits. If hers was a higher amount than what your getting now then they will give you hers. As long as you haven't remarried.
Could explain the offset benefits.
Devin, What is this ‘restriction’ to leave out my benefit when filing for survivors benefits? I went to my local SS office this last Friday to file but, was told that dept. was short handed so I will be called Feb. 3rd to complete the filing. How do I make sure I don’t lose my own benefits should I file after 70 if I would get a higher amount?
Excellent video. Background--I am the older spouse. Married more than 10 years. Neither of us has reached FRA or filed for benefits. Spouse will receive substantially more than me at FRA. Spouse recently passed away. Possible strategy-I file for MY benefit when I turn 65 (and am eligible for Medicare) and then switch to survivor benefit when I reach my FRA. Question-Is this the best strategy? And how does FRA for survivor benefits differ from FRA? And-is there anything else I should consider? Thank You!
Hello my spouse pass it been since 11 years so can i claim late spouse benefits
Im 62 on disability for 7 years my husband just passed at 75 can I draw my disability and survivor benefits
Im 62 on disability my husband just passed can i draw disability and survival benefits
What is the difference between survivor benefirs❤ an widows benefit?
I just lost my wife (63) this year. She filed for ss early at age 62 and was receiving benefits for about a year. I am 68 , retired and recieve a state pension of roughly 50k a year and never worked enough quarters in other jobs to receive any ss benefits. I filed via telephone interview for spousal benefits. I was told that I would only receive a death benefit of $225 and was not eligible to receive anything else. So i'm trying to find out is this accurate and what would be the reason for not being able to receive any of my wife's benefits....we were married for 42 years and no children or former marriages. Any help here appreciated.
Can one collect both disability and survivor benefit?
I collected both my SSDI was figured on my own earnings. After I was awarded my SSDI , the gave me a per cent age of my deceased ex spouse benefits. When I turned 65 last November. At that time, I had to relinquish MY SSDI but switch to full spousal benefits which was about 500.00 more
My husband was supporting his stepdaughter (my daughter) for the past few years and paying for her child support the last 7 years alongside of our the deceased biological 3 year old son. Do you think 🤔 my daughter can still get benefits. I'm applying for her as well.
Does WEP affect a spouse's survivor benefits? and if yes by how much? thank you.
I would like to know suviving spouse benefit
This is an older video but…here is one on survivor benefits. I was married for ten years so it’s not me. I am watching a few people who are 2nd marriages. Like long term, maybe even 20 years. They know the 1st is dying. They file for divorce on #2 so they can qualify for SS based on #1 survivor benefit rate. I don’t ask if f their plan worked so will ask you. Does it work? Oh and 2 told me they plan to remarry #2 after they go thru the process.
How can I find out of I file on my own social security benefits might be more than my survivors benefit.
My husband was on disability, passed at 62, what percentage of his benefits would I be eligible for? I'm 63.
Good Info!
What if he was on SSDI when he passed
I was Disabled and they said I was due a Review and I was 54 and they had me to fill out the disability review and then they said I was due a guite a bit of Money and I am able to receive my husband s deceased benefits and told me the amount of money however I have to be penalized for two years they took almost all of it but why didn't they tell me that I was due the benefits
I was not told any of this, that I can choose. Why
Are u intitled to survivors benefit if ur dead spouse was on SSDI? Not retirement but was over 62 when ssdi was inacted by deceased spouce.
My husband passed away at age 56and we were married for 35 years. How can I get the full benafits. As of now IVE been getting only a( %)percentage off of my husband
Question : I am 66. I receive survivor benefits. What happens to my money if I get remarried?
Devon, in you linked article you mentioned bank account protection. I have a friend over 65 living entirely on her SSDI payment. She had been previously advised to transfer some of this income into other (same bank) accounts she and her husband had at the time of his death. So she does this in small amounts monthly. Are these other accounts protected too since all the deposit into the main account appears to be protected? Or does this practice need to stop? Thanks.
Yes I'm one of those people I only get 134.00 monthly. Please help me understand I'm almost 62.yrs. Old.I get ssdi.husband died 8yrs.married. that didn't do that that did my amount.not my husband's. Yes we were married when he died in my arms at home.
Thank you very much for this info. I became a widow at 58, my husband was 68 when he died. He collected SS at 62 and I put it all in the bank because he collected a pension. I work full time for health benefits so I put off collecting my widows benefits until I reach my FRA which is 66 1/2 so I can still work full time up to the SS limit. When I do collect my SS I will collect on the survivors benefits only because my husband was getting way more than I would on SS. His 80% because of early collecting is still more than mine would be at 100%. Please tell me if I am correct or not, and feel free to correct me. Thank you. :)
Devin doesn't answer questions on youtube comments. Helping people with these questions is how he makes his living.
My ex remarried after 20 years of marriage. I was collecting SSI and was contacted by Social Security & they said I had no choice but to start collecting for his retirement. This confuses me because he's still working. I'm 66 and disabled...Can anyone make sense of this?
what about if your ex was disabled but paid in maximum life premiums before becoming disabled? I am 53, disabled since I was 21 but because I didn't file until after I was 22... missed the disabled child benefit being based on my parents. I got married after I became disabled but did not file until after I was married. I became disabled at 21 in 1989. I got married in1991. I filed for disability in 1993. I was in a wreck and did not receive my mmi report until 1995, at which time I was approved for SSD based on what I had paid in... because if my age at the time I filed, but they always told me I wouldn't get it til my mmi report was complete. SO UNFAIR. I left my husband years ago but we never divorced. We had been together and apart throughout our marriage. The last time we split was 2008... so 17 years on and off but still married for 30 years. He worked overtime his whole life (made a lot of $$$) but became blind in his 50's and has now passed away from diabetes. I currently get 700/m SSD and 100/SSI. How does it work that he became disabled before any retirement age but payed in well over the required 10 years and over the max cap; when I, as well, have been disabled basically my whole adult life. I did pay in 6 of the 10 years myself as I went to work at age 15 and I have paid in some since... trying to work over and over again. I have head injury. I also have a genius IQ. I wake up retartded and go to bed Einstein, so I tried working at night BUT, then there is the barometric pressure changes from weather that instantly retards my brain again.
pardon my grammatical errors... I am not going to edit all that 🤭 as I believe it is close enough.
My husband went on social security disability in his 50’s and when he reached full retirement age they switched it to social security. I always worked full time. Two weeks ago my husband passed away and I had lost my job prior to his passing and collecting unemployment. I am not at full retirement age and don’t want to collect on mine yet. Can I still continue to receive my husband social security check as a survivor benefit? Unfortunately they stop his payment and I have to wait 6 weeks for appointment with social security and the only income I now have is unemployment that will run out in May. My income is much higher than my husband but I would lose anywhere from $200 a month if I collected on my social security before I am 66.4 and it would be $1000 more if I waited to 70. My goal was to retire at 70. What are my options, I want to be prepared before my appointment with social security so I understand my entitlement?
No, I don't believe that SS is going to give you your husband's disability/SS ck. No one get 2 ck's like that from SS. The thing to investigate is, if his SS ck. might have been larger than what you might get from taking your SS early. It sounds like it might not have been though since you indicate that your income was always higher. This is what to find out from SS.
@@dresser6135 I am not looking to take my SS because I am not at full age retirement. I would lose 200 a month if I collected on mine now. I just want to maintain just my husband as the survivor benefits because I work full time.
Try asking the Medicaire family. Free appointment.
Can a child going to school get the survivor benefit (75%) and the spouse of the deceased also get the child in care if the child is 14 because she is under the age of 60?
Yes
If I file at 62, when I switch to surviving, when I get less, since I filed at 62?
I am retired & live in Mexico,my wife is a Mexican citizen, can she receive my benefits after I pass away ?
I'm a 44yr old surviving ex-spouse caring for our 9 year old daughter. We were married over 12 years, divorced less than 2 months, when he passed. Our child receives survivor benefits, but I was told I am not eligible to receive anything. What should I do?
Do you work? You're not eligible because you earn too much since you're not Full Retirement Age. There are incomes restrictions before FRA.
What if the deceased spouse was recieving SSA disability payments prior to age 60? Does the rib-lib rule go into effect? Any other special considerations?
Would also like to know
I am 61. My soc sec will be only $700 when I turn 67. My husband took soc of $3k monthly at 70. If I take spousal benefit at age 63 I know I get a reduction off the 50%. If he dies before I am full retirement age am I required to take survivors benefit at a reduced rate?
Do they take your check away
If your parent receiving survivor is deceased, Can her child receive this SSB?
I'm understanding the reduced benefit set at 82.5% of FRA when your late spouse began benefits at 62 - and the surviving spouse claim is at it's maximum at roughly 62.5, depending on birth year, when your reduction is 17.5%.
I'm understanding the 100% of FRA when those benefits began at or after FRA. This is when the surviving spouse claims at their FRA.
What about the missing middle?
My late spouse claimed about 9 months prior to FRA. Roughly 6% reduction. Am I right in presuming that when my reduction is that 6%, my survivor's benefit is at it's max? Somewhere between 62.5 ish and FRA, matching the actual reduction that the late spouse received?
I don’t understand why the onus is on us to learn all the thousands of SSA rules. The SSA needs to do their jobs or have excellent software that can run scenarios for people. The SSA should be sued and held accountable for the millions of dollars in deserved benefits they have cost people due to their ignorance, silence, incompetence, or outright planned fraudulent actions.
Is there anyone who can help me figure out at what age for me to file? Thank you.
Where is 573 from
What if you inherit money
I don't know where to get help No children involved