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Old 05-27-2018, 09:08 AM
 
Location: DFW - Coppell / Las Colinas
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A cousin of mine just passed away at 65 and had not started collecting SS benefits. Anyone know if his wife were to contact SS if they would pay the 6 months in arrears like they offer when you file?

That 6 months would go along ways for his expenses.
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Old 05-27-2018, 10:43 AM
 
Location: R.I.
972 posts, read 603,846 times
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Quote:
Originally Posted by Rakin View Post
A cousin of mine just passed away at 65 and had not started collecting SS benefits. Anyone know if his wife were to contact SS if they would pay the 6 months in arrears like they offer when you file?

That 6 months would go along ways for his expenses.
Your cousin's benefit dies along with him whether he was age eligible or not to collect it. What he does leave behind is a survivor benefit for his spouse and any dependent children. What your cousin's wife is eligible to collect as a survivor is detailed on the Social Security web site, but in a nut shell if she is not at her own FRA age the earliest she can begin collecting a reduced benefit is at 55 if she is disabled and 60 if she is not. Each month after she reaches age 60 and delays collecting a survivor benefit that monthly benefit amount grows and maxes out when she reaches her own FRA. If she delays to that point what she will receive in her case since her husband had not yet filed for his benefit is what he would have received had he lived to and began collecting at this own FRA.

So a simple answer to your question is no.
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Old 05-27-2018, 10:47 AM
 
Location: Dallas, TX and Las Vegas, NV
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But I think she does get $200 for funeral expenses from SSI. A pittance but nonetheless she should claim it.
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Old 05-27-2018, 11:11 AM
 
Location: OH>IL>CO>CT
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According to https://www.ssa.gov/OP_Home/handbook...book-1513.html it may be possible. It says:

"Can you be entitled to benefits retroactively?You may be entitled to monthly benefits retroactively for months before the month you filed an application for benefits. For example, full retirement age claims and survivor claims may be paid for up to six months retroactively"

Be aware that any retro payment will reduce the on-going monthly benefit by a small amount.

She needs to get an appointment at an SSA office to apply for both Survivor's Benefits, and the one-time lump benefit of $225.

BTW, please don't use the acronym "SSI" when referring to Social Security benefits. "Supplemental Security Income" is a completely different welfare program.

Last edited by reed303; 05-27-2018 at 11:43 AM..
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Old 05-28-2018, 04:41 AM
 
71,501 posts, read 71,674,131 times
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Quote:
Originally Posted by Nightengale212 View Post
Your cousin's benefit dies along with him whether he was age eligible or not to collect it. What he does leave behind is a survivor benefit for his spouse and any dependent children. What your cousin's wife is eligible to collect as a survivor is detailed on the Social Security web site, but in a nut shell if she is not at her own FRA age the earliest she can begin collecting a reduced benefit is at 55 if she is disabled and 60 if she is not. Each month after she reaches age 60 and delays collecting a survivor benefit that monthly benefit amount grows and maxes out when she reaches her own FRA. If she delays to that point what she will receive in her case since her husband had not yet filed for his benefit is what he would have received had he lived to and began collecting at this own FRA.

So a simple answer to your question is no.
there are situations where fra is calculated differently for survivor vs retirement ss . but i think that is when the deceased was already collecting . i think the scale slides down 2 years for calculating fra then .

https://www.forbes.com/sites/advisor.../#c87475382f0a

Last edited by mathjak107; 05-28-2018 at 05:02 AM..
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Old 05-31-2018, 05:07 PM
 
Location: R.I.
972 posts, read 603,846 times
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Quote:
Originally Posted by mathjak107 View Post
there are situations where fra is calculated differently for survivor vs retirement ss . but i think that is when the deceased was already collecting . i think the scale slides down 2 years for calculating fra then .

https://www.forbes.com/sites/advisor.../#c87475382f0a
I just saw your response. I have a phone appointment with SSA next week about my survivor benefit figuring by now since my late husband who passed at age 49 and would have turned his FRA of 66 last year they should be able to at this point give me more solid numbers than they did when I made my first call in 2015. We shall see.
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