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Old 01-23-2015, 06:11 PM
 
Location: NC
720 posts, read 1,485,508 times
Reputation: 1072

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Quick question. My sister, 62, works full time. Her husband, 65, has been collecting social security for a couple of years.
He passed away recently.
Will my sister now receive his check until she retires and collects her own, higher check?
My husband said the checks will stop now.
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Old 01-23-2015, 06:21 PM
 
71,592 posts, read 71,751,865 times
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your sister can stay with her own or take survivor benefits . the survivor benefits will be reduced from what her husband got for every year she takes it prior to her fra.

if hers is higher it makes no sense to switch later,

if the question is does she get two checks no she does not.
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Old 01-23-2015, 08:02 PM
 
Location: Wisconsin
21,539 posts, read 44,018,537 times
Reputation: 15140
Quote:
Originally Posted by poodlecamper View Post
Quick question. My sister, 62, works full time. Her husband, 65, has been collecting social security for a couple of years.
He passed away recently.
Will my sister now receive his check until she retires and collects her own, higher check?
My husband said the checks will stop now.
You husband is right, because your sister is still working. A survivor's benefit until she reaches FRA will be subject to an earnings test. Fairly good explanation, here:

Deciding when to take Social Security widows benefits can't get more complicated | Making Sen$e | PBS NewsHour

In short, b/c she is working, chances are any survivor's benefit will be offset by her earnings. It appears, from the foregoing, however, at FRA she could choose the lower survivor benefit until age 70-1/2, and then switch to her higher benefit. Her benefit would grow another 32% with that strategy. Good idea to wait to 70-1/2 to collect on her own if her health is good. That 32% growth is hugely advantageous.
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