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Old 02-28-2018, 05:56 AM
 
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Wife 60/husband 62. Wife will take SS at 62. Husband plans to wait until 70 in order to get the high amount so if he passes first, wife will take his SS which is larger. What if husband waits and dies at 69 without ever collecting? Does the wife still have the option to take the husband's higher SS? Or is she out of luck since he died and will just get her original ss?


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Old 02-28-2018, 08:35 AM
 
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The widow will get what the husband would have gotten as if he claimed SS Retirement benefit on the day he died. This assumes that the amount on the day he died is greater than the amount she is getting.
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Old 02-28-2018, 11:55 AM
 
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Thanks!
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Old 02-28-2018, 01:53 PM
 
Location: Ohio
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Quote:
Originally Posted by LookingatFL View Post
The widow will get what the husband would have gotten as if he claimed SS Retirement benefit on the day he died. This assumes that the amount on the day he died is greater than the amount she is getting.
She must be a full retirement age to collect 100% of his benefits.

Since there's only a 2 year age difference, if he died at 69 years, she'd be 67, and eligible to collect 100% of his benefits.

Survivors may collect benefits as early as age 60, but they only get 71% of the benefit.
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Old 02-28-2018, 02:53 PM
 
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it is 71% of the fra amount not necessarily the benefit .

it is called the widow floor . it was put in place to avoid to steep of a cut which is what would happen if the husband filed early , then died and the wife then filed pre her fra for survivor benefits .
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Old 03-01-2018, 06:05 AM
 
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Thank you all for your answers. I really appreciate it!
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