U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > General Forums > Retirement
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
Reply Start New Thread
 
Old 02-11-2015, 08:35 AM
 
819 posts, read 1,363,623 times
Reputation: 1405

Advertisements

Quick question, I have a friend who's husband passed away a couple of weeks ago. She is thinking that she will be able to draw his SS and hers. I say she's wrong (haven't told her). Can she draw both?
Reply With Quote Quick reply to this message

 
Old 02-11-2015, 08:45 AM
 
1,227 posts, read 1,260,047 times
Reputation: 4309
No, you get either the larger of your benefit or his benefit.

She will receive a one-time $255 toward his burial expense.
Reply With Quote Quick reply to this message
 
Old 02-11-2015, 08:46 AM
 
1,227 posts, read 1,260,047 times
Reputation: 4309
Also, if he wasn't alive for the entire month, Social Security will take back that month's Social Security benefit.
Reply With Quote Quick reply to this message
 
Old 02-11-2015, 01:36 PM
 
819 posts, read 1,363,623 times
Reputation: 1405
Quote:
Originally Posted by LookingatFL View Post
Also, if he wasn't alive for the entire month, Social Security will take back that month's Social Security benefit.
For some reason they did not when my MIL passed away. They did when FIL did.

I'm glad I haven't said anything to her because I know it will be a big shock.
Reply With Quote Quick reply to this message
 
Old 02-11-2015, 05:33 PM
 
Location: Northern panhandle WV
3,007 posts, read 2,171,440 times
Reputation: 6691
Quote:
Originally Posted by PeachyMJ View Post
For some reason they did not when my MIL passed away. They did when FIL did.

I'm glad I haven't said anything to her because I know it will be a big shock.
I may be a big shock but the sooner she knows the truth the better in the long run. Also you don't mention her age, that will also make a difference in her collecting survivor benefit and how much it will be.
Reply With Quote Quick reply to this message
 
Old 02-11-2015, 09:54 PM
 
Location: Southwest Washington State
21,869 posts, read 14,377,315 times
Reputation: 30751
Quote:
Originally Posted by arwenmark View Post
I may be a big shock but the sooner she knows the truth the better in the long run. Also you don't mention her age, that will also make a difference in her collecting survivor benefit and how much it will be.
Yes, you need to suggest she call the SS number. She needs to find this out soon.
Reply With Quote Quick reply to this message
 
Old 02-12-2015, 03:40 PM
 
Location: East Coast
2,903 posts, read 4,582,931 times
Reputation: 4291
Quote:
Originally Posted by arwenmark View Post
Also you don't mention her age, that will also make a difference in her collecting survivor benefit and how much it will be.
This is a good point because if she is 60 years old and really needs the money, she can start taking survivor benefits, which would be 100% of what her husband was receiving. (Normally, you can't take your own benefits or spousal benefits until 62.) However, they WILL be reduced if she takes them that early.
Reply With Quote Quick reply to this message
 
Old 02-12-2015, 04:42 PM
 
71,584 posts, read 71,751,865 times
Reputation: 49194
no no no , survivor benefits are not what your husband was getting. they are reduced for every year you take them that you are under fra. if you as the widow do not wait until your own fra you get a cut in benefit.

a widow who's husband filed at 62 and died who filed at 60 would see a double cut from what she would have gotten if her husband didn't file early and she didn't file early. that cut is 48% of what the husbands full would have been.

survivor benefits can be cut alot if you are forced to take them before fra,

this is why men have to really give thought to taking ss early and what age are their wives and what kind of shape will your taking it early leave them in .
Reply With Quote Quick reply to this message
 
Old 02-12-2015, 04:44 PM
 
71,584 posts, read 71,751,865 times
Reputation: 49194
Quote:
Originally Posted by LibraGirl123 View Post
This is a good point because if she is 60 years old and really needs the money, she can start taking survivor benefits, which would be 100% of what her husband was receiving. (Normally, you can't take your own benefits or spousal benefits until 62.) However, they WILL be reduced if she takes them that early.
nope ,this is not correct .
Reply With Quote Quick reply to this message
 
Old 02-12-2015, 05:38 PM
 
1,227 posts, read 1,260,047 times
Reputation: 4309
Survivor's benefits are complicated. The only two things that determine the monthly amount received are the spouses' benefit amounts and the survivor's age when filing for benefits. If you are FRA you will receive an amount equal to 100% of your spouse's monthly benefit, assuming your monthly benefit is lower.

Here are examples of how this works:


Mrs. Make-Believe has the following benefits:

Age 62: $908
FRA: $1,358
Age 70: $$1,730

Mr. Make-Believe has the following benefits:

Age 62: $1,022
FRA: $ 1,435
Age 70: $1,993

Example 1: Mr. M-B had filed at FRA and was receiving $1,435 monthly. He dies a year later. Mrs. M-B collects survivor's benefits at age 60. She will receive approximately 70% or around $1,005 per month.

Example 2: Mr. M-B was receiving full retirement benefits of $1,435 at the time of his death. His wife waits until age 62 to file for survivor's benefits. She will receive about 82% of his benefit, approximately $1,177. At FRA she can switch to her own record and receive $1,358, or she can wait until age 70 to receive $1,730


NOTE: Widow/ers are able to file for reduced survivor's benefits at age 60 or 62 and years later change to full benefits on their own record. Or, they are able to file for reduced retirement benefits at age 62 on their record and then change to full survivor benefits at FRA later. You must be a widow/er to do this.

Example 3: Mr. M-B was receiving full retirement benefits of $1,435 at the time of his death. Mrs. M-B was also collecting her full retirement benefit of $1,358. When Mr. MB dies, Mrs. MB will receive $1,358 on her record plus an additional $77 on Mr. M-B's record, for a total monthly benefit of $1,435.

Example 4: Mr. M-B was receiving full retirement benefits of $1,435 at the time of his death. His wife is 60 at the time of his death. She waits until FRA to collect survivor's benefits. She will receive $1,435.

Example 5: Mr. M-B waits until age 70 to collect retirement benefits. He receives $1,993 monthly. He dies at age 72. Mrs. M-B is past FRA and has been collecting $1,358 monthly. Mrs. M-B will receive $1,993 monthly.

Example 6: Mr. M-B intends to wait until age 70 to collect retirement benefits. However, he dies at age 69. Mrs. M-B is FRA. She will receive the $1,435 + approximately $344 (approximately 24%) in his delayed retirement credit for a total of $1,779.


Hope this helps.
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > General Forums > Retirement
Follow City-Data.com founder on our Forum or

All times are GMT -6.

2005-2019, Advameg, Inc. · Please obey Forum Rules · Terms of Use and Privacy Policy · Bug Bounty

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top