Social Security Survivor Benefits 101 - How It Works

[@helenharrison8916]

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[@Marissavmt]

Thank you . I’m 28yrs old with 2 under 2 and recently lost my husband to a battle with cancer. I have no idea about SS and never thought I’d be here at this age. I truly appreciate this. ❤

[@jusformommy]

So sorry for your loss, such a tender age 🙏🏽 🤲

[@katemiller7874]

I’m so sorry honey so young. I hope he had life insurance for you guys

[@Sam-bp8gk]

I’m about seven years away from full retirement age so I started reading and watching KZbin on benefits from Social Security. Yours is the most concise and easy to understand. Thank you for putting this information together.

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[@dcg590]

You’re learning now?

[@AhJodie]

There is another survivor benefit, which I am getting. I was married for over 10 years, then divorced... the 10 years is a requirement. Neither of us got remarried. My ex passed away when I turned 60, and I had heard about this, so went for an appointment with social security. I had to bring paperwork, such as marriage certificate, death certificate, and they will tell you what else if anyone else does this. Anyway, I could sign up, but, the payments were like if it was my social security taken early, and anything over a certain amount that I made working became for every $2 they would take $1 out of the payment, so I did not get anything, because I made too much. BUT.... I signed up, because I am a little paranoid and had no idea what my future would be, and I might need it, is what I thought. SO ... 6 years down the road, I find out that at full retirement age, I am entitled to the whole payment, and can make as much as I am able to!!!!! I used that money then to pay off my house, and am still working... ta da..... BUT... at anytime I can switch over to my own retirement social security benefit.... so that is sort of like money in the bank growing for me... I never had much money, and did not understand a thing about retirement investing, so any little helps.

[@irinajen6379]

Even With that 1 dollar taken from you for every 2 earned, you should be getting a half of what you were in title. Didn’t you?

[@HanNguyen-vb3eo]

Are you writing a novel here? 😢

[@vduncan7isheaven]

@@HanNguyen-vb3eoThis is for adults only. Go back to the playground and play with the children. Real Talk

[@denisesargent1440]

Thank you for your novel, it was very informative! 👍🏼

[@ginacardarella]

Well you help answer more than what any of these guys making videos have so far I was wondering if I could take my ex. Husband's half of his social security. First and then I could take mine say at age 68

[@TippyPuddles]

Wow, the first person to explain the widow's benefit if the deceased spouse retired early.

[@kellyyork3898]

Please discuss how a widow can take survivors benefits and still postpone her own benefits until full retirement age.

[@honestheatherlaray5525]

Hello I appreciate your talk my husband passes 3 yr ago heart attack we were married 30 years and all our children are gone and I have been disabled since foot surgery,

[@HolySchmidt]

My pleasure. Thanks for the comment

[@nubiacairo8835]

Thanks for this video. My husband just passed. He hasn't even been buried yet and I was wondering how to go about all this and what to expect after he was buried and I had some time to think about this. Thank you for making it a clear for me.

[@HolySchmidt]

You are welcome Nubia. I’m sorry to hear about your husband.

[@generaljames1412]

Hello. I work with the United States 🇺🇸 Army. This is my private account. I'm single. I would say your Name attracted me. 🌹

[@jeffs3627]

Slide at 5:53 is incorrect. If the deceased had waited until after FRA to begin collecting then the survivor benefit would be calculated off of the amount the deceased was collecting which would be the deceased full retirement age amount PLUS any delayed credits.

[@MelissaLuvsHens]

You are a part of such a great group of financial planners. Devin Carroll, Josh Scandlin and Lane Martinsen. Love your videos

[@HolySchmidt]

Wow, thank you!

[@Greggsberdard]

I'll be retiring or working less in five years, and I'm curious about how people split their income-how much goes into savings, spending, or investments? I earn around $175K per year but have almost nothing to show for it yet.

[@VictorBiggerstaff]

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That's quite impressive! Can you share more information about your financial advisor?

[@BateserJoanne]

Rebecca Noblett Roberts is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@lolitashaniel2342]

Thank you so much! This is exactly what I needed right now. I wrote her an email and am waiting for her reply. Hopefully, she responds soon.

[@AnakinVeyder]

Holy Schmidt! Excellent video ..crisp and clear with a nice haircut ! Thank you!

[@peterhoffman8525]

Please look up Devin Carroll. This gentleman has some info here, but Mr. Carroll has more detailed info that would be very helpful to many listeners, I believe.

[@MrSdmckenna]

Fantastic, you covered all the points. I was mystified when I started receiving a check when my wife passed. I was 55. She was 60, but drawing under disability. I earned more than her, so I expect I will swap over to my benefit at some point. You made it simple to understand! Thanks man!

[@HolySchmidt]

You've got it!

[@SmartLifeSolutionsWork]

Hey Holy. Can a adult that has long been disabled since before he was age 22 receive survivor benefits from both his long deceased father AND simultaneously recently deceased mother. Both parents were past FRAge on SS retirement at time of death. It is one check for exactly 75% of his late father and another check for 75% of his late mother’s benefit. If and when can a surviving disabled “child” receive 75% of BOTH deceased parents’ SS?

[@87d5mzck4]

Thank you for a very informative explanation. I do have 2 questions. 1. My wife passed away 4 months ago, I am still working and making too much earned income. I would like to file for survivor when I retire in early 2023 is there a statue of limitations when you can file for survivor benefits? 2. Are pension, inherited RMD's and IRA's considered earned income?

[@edimathews8462]

Can you do a video explaining benefits if you are divorced from a long time spouse? Both survivors benefits and ss benefits?

[@joankessel5850]

Very clear. Very concise. I was seeking information concerning a spouse dying before taking social security, for a friend. Many other groups skirt that issue. You were Direct in your answer. Thank you.

[@euphemiat7735]

Thanks for this concise, understandable explanation. I was hoping you would comment about a survivor who is divorced from the deceased, having been married for over ten years. Maybe a video about that scenario?

[@najulah]

Holy Schmidt does have a video regarding the divorce mate. . . About a year ago, but it is out there. I just watched it. Blessings!

[@Sneatt]

I have survivor benefits from having the same disease my father had. I got it at 26 because they made it seem like I had no choice to either get it now, or never. Then I’m told I’m not able to get a part time job or anything. I wasn’t aware that I could wait.

[@HolySchmidt]

Thanks for the comment Sneat

[@galemenzel1565]

Thank you for posting this particular video. One of your scenarios touched very close to my situation. My husband passed at age 63. He was still working. I was 58 and on disability when he passed. We had a long term marriage, 4/24/1982 until 2/14/2015, the day he passed. I called SS bc I wasn't sure what I could expect. At first, SS told me 100.00+ (cannot recall exactly, but it was not even 200.00). Then after I talked to a few people, I called them back, and then was told it was to be 300.00+. Turns out it was 363.00. I'm still drawing my disability, plus the 363.00. However, from what I understand your video to say, I should be drawing 71.5 percent of his, which at age 63, when he checked it, was 1600.00, or around that. I just know he checked before he passed. He wasn't going to give in to the cancer, and he checked the SS amount. He worked until the week before he passed. He was a strong-willed man, and he is missed every day. Thank you!

[@galemenzel1565]

Well, it's been a few weeks since I posted my question. I would very much like to have an answer. TIA.

[@markcummings6856]

You don’t get 71.5 of his, plus your disability SSI, do you? I don’t think so… that would be two sources of SSI. Remember, you get the larger of the two, or it sounds like in your case, the difference (additionally) from your spouse.

[@galemenzel1565]

@@markcummings6856 I guess I misunderstood what he said. I thought he said the exception was the spouse was 59 and on disability, and the deceased was retirement age. I was 58 and on disability, and my hubby was 63. I'm not sure how it all works. Thank you for responding.

[@AhJodie]

@@galemenzel1565 You could re-watch the video for an answer rather than wait for Mark to respond, maybe he does not have notifications turned on. But, I believe you are correct, another thing is you could call your local social security administration, which is faster than the 800 number.

[@galemenzel1565]

@@AhJodie I thank you for your response. I did rewatch the video. I think I am correct, that I should be drawing the 71.5 percent of my late husband's SS.

[@unme4728]

What are the social security survivor benefits in the case of divorced persons?

[@AhJodie]

Read my comment above please for your answer.

[@rockyryan2323]

I am a whole lot younger than 62 or 65 I am 35 years old but I do receive SSDI and Social Security survivor's benefits from my mother that passed away when I was 18 I was wondering if I got a job and suspended my Social Security survivor's benefits could I reinstate them when I wasn't working anymore and or will that affect me getting married

[@qmoonwalker3847]

Thanks for this video. Was hoping for one on this subject!

[@dianarockwell6256]

One of the big issues with survivor minutes is remarry after the death of the spouse. I don’t think this applies to widowers, but it does apply to widows. If the widow marries before the age of 59 1/2 they are not eligible to collect spouses benefits. Which was in my case the reality. My husband died at the age of 50 and I was 48. I remarried a few years later and that marriage last, about 15 years and ended in divorce. Because I am not currently married, I can collect my late spouses benefits, which are over $1000 more per month than mine. I do need to go get a certified copy of the divorce decree because I don’t know where I put it After moving several times. It’s all just happened this week so needless to say I am in shock and very surprised that this is the case. My whole life I thought that role is strange, but I think a lot of them are based on the 50s and 60s societal norms and not today’s norms.

[@caroleanne8529]

There are a few states, 5 I think, that do not permit a spouse who collects a state pension to receive spousal benefits from Social Security. I know for sure that Ohio is one of those states. People receiving a pension from their state should look into this before they retire, especially if your state pension is very small.

[@virginiadodgen2787]

Georgia also.

[@gtbigdog3507]

Thanks for the informative videos. Very helpful to me and my family

[@teresae5044]

According to the SSA website, full retirement age for a surviving spouse is slightly lower. For example, my FRA is 66 years and 6 months. However, my survivor FRA is 66 years and 2 months. I will be turning 66 soon, and my husband, currently receiving benefits, is very I'll. The four month difference in FRA is something I am taking into consideration in planning my own filing. But, my local SSA representatives seem to be clueless about this. Even when I read them the information from the SSA website! They seem to have set responses and can't adjust to unusual circumstances.

[@HolySchmidt]

I’ve heard that before.

[@Honestandtruth007]

This video is so Helpful and insightful, i really appreciate very much Thank you 👍❤️

[@RimmaG-d9z]

Thank you. I'm 60 and lost my husband to a brain cancer 2 months ago. He started receiving social security disability benefits at the age of 64. What am I entitled to 82.5% at the age of 62.5 or 100% at the age of 67? In your video you didn't address the situation when person who passed away, began taking the disability benefits before full retirement age.

[@TippyPuddles]

7:00, listen carefully.

[@lindaforman8517]

I am 45 yes and my husband passed 3yrs ago at age 43,so I was told I do not receive widows benefits

[@generaljames1412]

Hello. I work with the United States 🇺🇸 Army. This is my private account. I'm single. I would say your Name attracted me. 🌹

[@TippyPuddles]

You can start to receive SS when you reach 60.

[@earlgreco8636]

Very understandable and helpful. Thank You.

[@SuperMarioVending]

Thank you. Always very helpful and clear advice.

[@TishHutsonGibson]

I was told I have to wait until I`m 62 to collect survivor benefits.

[@pamelariley6694]

Correct.

[@earnstgenmar13]

​. The video clearly explained age 60 to receive Survivor benefits.

[@evalee7768]

i love this guy

[@generaljames1412]

Hello. I work with the United States 🇺🇸 Army. This is my private account. I'm single. I would say your Name attracted me. 🌹

[@wendysherbert3257]

Mr. Schmidt..thank you for this information. May I make a small suggestion? It would be helpful to have you write out some of these calculations/charts etc. on a white board with colorful markers as you talk. I know it might not be your style or something you have not done often, but it can add some variety. Look at Dr. Berg for and example. I wish you much success because the information is so very important for so many!

[@HolySchmidt]

Thank you Wendy. Great suggestion. Look for future videos with that format.

[@wendysherbert3257]

@@HolySchmidt Well I am a teacher by trade…so I know a few things about drawing people in..;)

[@johnnypalmer8161]

What form do they use? If the husband and wife were both drawing, husband passes, what form does she fill out for the SSA?

[@lindatiliouine959]

my husband died last year he was 62, I was55 we have 2 teenagers, they told me if I make more than 18 000 a year I will not be qualified but my kids yes until age 18, there is a limit on how much income you make to qualify when you still working.

[@HolySchmidt]

Hi survivor benefits are subject to earnings limits. This article will give you everything you need to know. www.ssa.gov/pubs/EN-05-10069.pdf

[@avalew324]

.

[@avalew324]

M

[@wcwilson]

Hi, I am finding your videos very helpful. As part of my retirement projections, I am looking at survivor benefits. I am the higher wage earner and 6 years older than my wife. Although there are advantages to my waiting until 70 to file, it sounds like my waiting past 67 will not increase the survivor benefit that my wife will get if I die before her. If I die at age 85, my wife, who will be 79 at the time, should be able to switch to a survivor benefit at that time, correct? Will the amount of that benefit change if she filed for social security on her own record at 62 or waited until 67? I was not able to ascertain this from your video.

[@TippyPuddles]

Survivor benefits are fixed when the worker dies. If she files before her full retirement age, survivors benefits will be decreased on a sliding scale. The Social Security office will always calculate and give the living spouse the larger amount.

[@steelcastle5616]

Excellent video ...and not a bad suit!

[@kevinseversonandhisvizslas8287]

I wish you had stressed that the surviving spouse will not get his or her own Social Security benefit in addition to their deceased spouses Social Security benefit they can only get the larger of the two

[@mrscrush59]

Wondering if you could make a video about SSDI survivor benefits. My late husband’s SSDI benefit is twice the amount mine will be and I’m looking at how to navigate those waters. I am 62, and work full time, retirement age is 66 1/2. I am not disabled. Would like to collect his benefit and work part time but not sure if it’s feasible. Thank you for your informative videos.

[@AhJodie]

Hi, please read my comment above, it has what I did, my FRA was 66, I am not disabled. It is all a money calculation that would be a good idea if you talked with your local social security office. I did that and they were very helpful. (the phone call can be a while though to get through, just hold the line until they answer). Enjoy!

[@generaljames1412]

Hello. I work with the United States 🇺🇸 Army. This is my private account. I'm single. I would say your Name attracted me. 🌹

[@Thatsswell-hr9ev]

Hello Holy Schmidt! 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 working 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.

[@prandn]

If I understood correctly, survivor benefits don’t increase beyond FRA, even if Higher wage earner waited till say 70 to start taking SS?

[@lewcrowley3710]

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.

[@jeffswaney3444]

Very good video. Clearly understandable. One question occurs to me. What if the surviving spouse is working and she is below full retirement age, let’s say 62 years old. Her husband passes away and is at full retirement age. She wants to keep working and wants to draw his survivor benefit. Is there any offset if she earns a certain amount of money?

[@AngelusaNobilis]

My son's father died April 30th. We called a few days later and signed up for an on phone interview 2 months later. I just hope it's back dated. The interview is this week. Without child support I'm STRUGGLING.

[@stopchildabuse7932]

I am very sorry for your lost my heart with your child and you. I pray things work out.

[@earnstgenmar13]

Did you get back payment based on the day you first called ? Or a later time ?

[@carykalscheuer6429]

I was married 23 years. When I applied for survivor benefits, I was told I made too much money to get a benefit from my wife. Where did the money go that she paid in? I had two kids by her and it would have been nice if they got something. Not happy with the wealth transfer!!

[@MD.ImNoScientician]

@HolySchmidt Is it safe to assume that the surviving divorced widow/er would also be entitled to approximately 82.5% of benefits as well? Thank you for your informative videos.

[@DrSchor]

no

[@Baucbbb15]

Very thorough in your explanation. However, can you explain what percentage the surviving spouse would draw if the ceased age 63, has yet to draw SS, the survivor is 70, but had previously started drawing her own SS at age 62. Would the survivor’s early draw of their own SS have any impact on the deceased benefit?

[@DrSchor]

need to know: what did the spouse cease doing at 63?

[@sharonjackson8222]

Hi, I am A Widow, and I collect my Husband's Social security, and I was getting survival benefit from The V.A. and Social security took my V.A. check and stopped it, why Can they do that because My Husband served in the Army,

[@stopchildabuse7932]

Wow I am very sorry for this I don’t think this is fair this makes me sad

[@sheiloubethnicolosi7118]

Im a widow of a US citizen..im 38yrs old we been married for 10yrs...i never been to the US..i want to know more about the social security benefits..

[@HolySchmidt]

This is a good source of information on this: creativeplanning.com/international/insights/financial-planning/foreign-spouse-social-security/

[@BoulevardH]

Big Sur stole my car in the years 1950. A sudden outbreak of nettle rashes were so bad, it fell more than 1 gardener in a sensitive time. The cost of treating the rashes took a toll forever more. Nothing is wrong about more. We cant move product, USD, money fast enough to trime the trees and watch the kids come upstairs with notjing coming up physically. So a landscape crew to the East side of freeway 99 and marbled Rye upcoming would justify the drive and handouts to checks.

[@pauladuncanadams1750]

???

[@sharon268]

Say your spouse dies at 48 ss takes his income from age 22 to 48 and calculates those year they minus 5 years of lowest earnings

[@ginacardarella]

So far, I'm still waiting for somebody to help me. Answer the question if your ex. Husband works for the city as a government employee. Say a prosecutor attorney, they get a pension. I believe, do they still get social security? And is it a lot less? And am I entitled 250% of that? If it's higher than my regular social security

[@ron9665]

5:55 Does this chart work if the deceased had started to draw before FRA or is the survivor then operating off of a percentage of the reduced amount the deceased was receiving? ALSO, what if the survivor is 5 or 6 years OLDER than the deceased??

[@josephgillespie4654]

I’ve got a question I’m on my disability and I’ve helped my wife get hers. She passed away back in 2017 at age 30. We got married in 2007 but she never used my last name. The death certificate says she’s divorced. I’ve had a time of getting the certificate but I’ve got it. I’m just curious about how it works n all. I’m 50 now at the time of her death we weren’t living together. Joe from Alabama

[@fireflyfarmletontheeno777]

Please discuss SSDI Adult Disabled Child benefits

[@christineplaton3048]

Did you also cover Divorced Surviving ex Spouse who had children? This is important

[@billcasassa9707]

Great video Schmidt! I'm 70 and just started my Social Security benefit. My wife is 63 and we just started her benefit payments as well. I can calculate what she will receive if I pass away this year while she is 63 using the percentage in your chart; but, will her benefit increase every year; and, at age 67 will her benefit increase up to 100%?

[@HolySchmidt]

Hi, the spousal benefit (which is up to 50 percent of the primary insured’s benefit) maxes out at full retirement age, which is between age 66 and 67 depending on the year she was born.

[@5000NATE]

I just got this letter in the mail I never had a spouse social security error

[@alphabeta8403]

4:20 Survivor benefits examples

[@johnniebranch4791]

I was getting SSI and my own SS , and my husband pass.They took my SSI from me and told me that I would have to receive widow pension.and lose my SSI

[@markwhite6835]

My wife died at 39 years and I was 41at the time. I also have been collecting ssa now for about 6 or 7 years now and I am almost 62 do I qualify for survivors benefits. She was the bread winner in are home I stayed home to raise the kids.

[@rbk7876]

I need answers, my wife died of cancer at age 48, I was 45, im now 64 and have never recieved any type of benefits the last 18 years, what is my recourse.

[@HolySchmidt]

I’d speak with your local social security office in person.

[@richardf6932]

So, who knew that Geoff could be funny (3:40) 😆😄.... Thank you for explaining a complex process in an easy to understand method...

[@billyjoejimbob56]

Geoff: Big fan of your KZbin posts and greatly appreciate what you are teaching all of us (soon to be?) retirees. A question I still don't have the answer to: I will reach my FRA in Q3 2022 and plan to file for my benefit then, or by January 2023. My wife is ~3 years younger and already collecting her own benefit starting at age 62... she will file for spousal when she reaches her FRA. My question... will her survivor benefit max out at my FRA benefit, or could it be as high as my age 70 benefit if I wait until then to file?

[@kjk4moss]

Great question. Would be helpful to know this!

[@billyjoejimbob56]

@@kjk4moss I still don't know. But... I figure the SS I collect for the next three years reduces what I have to withdraw from my taxable rollover IRA. That amount earning a return is probably worth as much as the additional ~24% increase in SS if I waited til 70 to file. I know my wife will inherit that, and so will my kids if we don't spend it all So... filed in January and on to something more exciting!

[@amycuff6277]

What if the deceased filled for long term disability payments at 52.

[@mima4392]

Nothing it's the deceased retirement benefit. My husband received ssdi at 34, though he never lived long enough to see a check, then it switched to. survivors for me and our children. The younger they are the less yrs. they need. For my husband it was only 3yr. back in 1990. Now at 66 I receive his plus all the colas he would have received. I hope this helps.

[@anadeleon3781]

My husband pass since 1993 i was 34 years, Iam from Texas, we had 3 children and a got social sec benefits for them and I until my youngest graduate from high school the time pass am 64 never got married, but living with someone now and i reported MFJ with him, does this can affect if in my full Retirment file as widow benefits????

[@Mary-xf4ew]

Thank you that made it easy to understand

[@HolySchmidt]

you bet

[@JayCalderon211]

Thank you, Well Done.

[@Calventius]

Great info. We'll done.

[@fototx66]

How to RIB-LIM (widows limit) factor into any of the scenarios you mention?

[@staytunednow2298]

Get a different answer from every call to SS. Lol

[@sherrynaumann893]

Yes, this exactly, it’s ridiculous what they put widows with cancer through.

[@cina8975]

@@sherrynaumann893 WOW SO SAD

[@ace-c7j]

My wife passed at age 50 - I was 49 and on SS disability. SS told me I couldn't collect anything on my wife's retirement benefits until I turned 65! WTH??? I'm now 76 but just get about 30% of my wife's SS retirement and she earned much more than I did while working. Again, WTH???

[@DrSchor]

curious. why do you think how much she earned should influence the percentage you receive?

[@ace-c7j]

Because I've seen and heard in other videos that people in my case usually receive about 1/2 of what their diseased spouse would have received, had they lived to full retirement.

[@DrSchor]

@@ace-c7j youtube is not your best source of information, dont you know

[@FridayNightFamily]

What about the decision to take the deceased persons benefits when the survivor is age 60, then at 70 move to your own benefits allowing a higher amount? Is this rule still in play?

[@bizzygal7026]

Hi! Did you cover in another video how benefits work when you collected your husband social security when your kids were young. Will you still get social security when you are retirement age?

[@carolhathaway6235]

can a disabled widowat 55 get benefits

[@themrgjonez]

Thank you for the chart

[@stephencoury9411]

Wow! Who is the bombshell at 3:38?

[@marshallhosel1247]

Thanks, useful info

[@kathleenfowler3866]

I was in my fifties and I had to wait till I was 60 and it's very low

[@tisharagraham6478]

just turn 50th my husband been dead for 7 years we both where social security benefits before he passed so when can I get my widow pension

[@katherinecairns03]

I was married to my ex husband for 32 years. I never worked. Got divorced and currently receive half of his social security. He has remarried and his second marriage is at the 10 year mark. When my ex passes do I get his full social security or do I get half and the other half goes to current wife?

[@SunAtNight731]

Geoff, thank you for this extremely helpful video! Question, can a survivor under fra work and collect unreduced survivors benefits at the same time, while letting their own benefit grow?

[@PintoBeener]

What if the deceased spouse is disabled and was drawing SS and the surviving spouse was drawing much less due to the WEP.. Would that spouse still qualify for some of the deceased spouses benefits since it was more than the surviving spouse was drawing at the time the spouse died.

[@bellanegrin3915]

Please help! I am 62. My husband passed away two months ago at age 71. I am still working, and have not received any of my own benefit. My husband's monthly benefit was $2200.00 per month. Social Security sent a letter today stating I am only eligible for $535.20 per month because I am working, based on my own earnings record. I only make 32,000 per year. I thought I was eligible for 79% of his benefit. Now I have no other choice but to loose my modest home. Is this right?

[@HolySchmidt]

The story sounds very troubling. You should speak with the SSA to understand the differences between survivor benefits and your own benefit.

[@javelinaflips-annie5000]

Sorry for your loss Bella 🥺

[@generaljames1412]

Hello. I work with the United States 🇺🇸 Army. This is my private account. I'm single. I would say your Name attracted me. 👋

[@sompongratsakhy5728]

What if we were living together for 9 1/2 years but get married for 6 months and he passed how do we collect surviving spouses benefits?

[@HolySchmidt]

I’d speak to the SSA on that one

[@melbaomeara4409]

I got $24.00 dollars survival benifit!!! They said it's because I made more than him, a lot of crap, all the money he paid in I don't get any of it but $24.00 a month!!! What a rip off!

[@inthesun3884]

In my opinion working women get ripped off in the US all the way around. You get the higher of the combined benefit. One benefit simply goes away when your husband dies. If you’re younger than full retirement age, his is reduced. The United States hates and abuses women. No childcare, no maternity leave, no help if your child is disabled and screwed when we’re old. We have to keep working to protect our future. Hard to do in a society that offers zero support to mothers.

[@TippyPuddles]

You can only collect one SS payment. Yours is higher, then you get your amount.

[@sheenadunlap1775]

glad you touched on this subject thank you. I do have two questions. Can a surviving spouse take their partners Soc. Sec. at age 60 and switch to their own at full retirement age? Can a survivor collect and still work? Thank you.

[@elainenilsson5472]

Yes, I believe you can collect one and then switch to whichever is the highest...I think. Good question because by collecting it early it will be lower.I believe so long as you are collecting you cannot earn more than $17,000

[@AhJodie]

Please read my comment above. You can collect, then switch, but if you are working, anything above a certain amount gets penalized.

[@kathleendavidshannon3413]

I am retired military and a Texas school teacher. My wife is also a retired Texas school teacher. I draw a reduced amount of SS due to the school retirement. My wife gets zero SS because she has a retirement. Just wondering about her receiving a benefit if I die first.

[@generaljames1412]

Hello. I work with the United States 🇺🇸 Army. This is my private account. I'm single. I would say your Name attracted me. 🌹

[@allenweaver1730]

So I can’t get survivor benefits because my husband and I were only married 6 months??? 😠

[@generaljames1412]

Hello. I work with the United States 🇺🇸 Army. This is my private account. I'm single. I would say your Name attracted me. ♥️

[@timperrigo3827]

Are there Social Security survivor benefits when a divorce happens?

[@HolySchmidt]

Assuming the previous spouse met other qualifications (ie, age, survivor benefit is higher then their own, etc.,) if they were married for longer than 10 years, usually. One of the interesting features of Social Security is that the current and previous spouse can both collect survivor benefits, however if the previous spouse remarried that would complicate the answer.

[@ashfaqshaikh3915]

I am 74 years and my wife 70 years old with no work. My son aged 42 unfortunately passed away and we were dependent on our son. Later we were advised by daughter in law not to claim any survivors benefits as their share will be reduced. So my question is what is correct version in this case. Should we claim our share or not as it will reduce the share of grandkids?Please help me clarify the situation. Thank you.

[@TippyPuddles]

Please go to your SS office and get some numbers. It may but only because there is a cap, something like 150% of the deceased SS at the time of death. Take care of yourselves, she can get a job.

[@LilleypodH]

My husband passed away almost two years ago. I’m 64 we were married 34 years. I’m still working. My youngest child is 21 and isn’t disabled, but still lives with me. I’ve worked all my life and my husband did too. He was 58 when he passed. Is the survivor benefit a monthly or a one time payment. I’ve searched for answers at the SSA site but it’s just so confusing. I appreciate your videos but I’m still not clear on anything. Can you please clarify if I get benefits or not? Thanks 🙏 😊

[@HolySchmidt]

This video will help you. The survivor benefit is discussed near the end. How "Average Earners" Get 77% MORE in Social Security kzbin.info/www/bejne/pl7Fc3mDrs2AfZo

[@penguinking4830]

How does that work in conjunction with the widow's own SSI?

[@joomoo5543]

how does it work for a foreign spouse?

[@bettym5148]

Hello sir I am my brothers a representative because he is a handicap survivor of my father and receives SSA benefits he used to receive SSI but they took that away because of the VA and it had certain limits on where you could spend the money on such as electricity water rent and wondering the SSA survival benefits what can he spend it on? Are there some limits like the SSI thank you

[@Jimfromearthoo7]

Ok, he was 78 collecting $1250 monthly. He passed. She is 71 collecting $830 monthly. Still alive. So how much will receive of SS survivor benefits?

[@Jimfromearthoo7]

Still waiting for an answer. Thank you

[@TippyPuddles]

@@Jimfromearthoo7 The higher amount. SS will calculate it.

[@carrollduran4346]

I was married for over 25 years to the same man. 2 years ago we separated and unbeknownst to me he filed and was granted a divorce. Neither one of us have remarried. We're in close contact with each other. He is considerably older than I am although we are both of retirement age. When he passes will I still be eligible for his social security benefits? Can he sign these benefits over to somebody else such as his daughter? Something he threatens to do when he's upset with me... I've taken care of him through two bouts of cancer and a heart attack... Since I stayed home and cared for him my social security benefits are only about $490 a month his are about $1,500 a month. Will I be collecting his benefits?

[@carrollduran4346]

I'm glad that somebody liked this now I wish somebody could answer the question !!

[@carrollduran4346]

I am so very glad that somebody liked my story, now my greatest wish would be if somebody could answer my questions...

[@generaljames1412]

Hello. I work with the United States 🇺🇸 Army. This is my private account. I'm single. I would say your Name attracted me. 👋

[@nouche-30064]

Very strange! You said that one qualify for survivor benefits if married over than 9 month. Well, when I called the Social security and even read on the website, the requirement is 10 years of mariage. After asking questions concerning my options, I dicided to apply right away over the phone and the 10 years verification was made. So I am confused about this 9 months. Could you please, explain?

[@HolySchmidt]

10 years is for divorcee benefits

[@nouche-30064]

@@HolySchmidt Thank you for you answer but I am not divorced, I am a widow and for survivor benefits I han to prove of 10years of marriage and being 60 years old.