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Old 06-20-2019, 04:23 PM
 
Location: tampa bay
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Ok since everyone on here is so helpful and knowledgeable could I ask a question? My husband will be taking his ss at his fra four years from now...also four years from this October I will turn 62...so he will have been receiving ss for 5 months by the time I can apply...will I get 50% of his then (was a SAHM except for two years)?
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Old 06-20-2019, 04:33 PM
 
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No ,, you will get less at 62 .. you get your own benefit .. then they will take half his fra amount and subtract your fra amount ,regardless of the age you filed ..they add any difference to your early amount ..it will always be less then half because you filed at 62
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Old 06-20-2019, 11:37 PM
 
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Originally Posted by Movn-on View Post
You would switch to survivorís benefits and, since you are past fra, you will receive 100% of what he is getting at the time of his death. Taking your benefit or spousal benefit early has no bearing on your survivorís benefit.
Is this true? I didn't have enough hours working to have my own SS. I went on his at 62 and they told me at SS that I would only receive 1/3 of his SS.

When he passes, will I get his total amount?

I worry because after his passing, I would not be able to afford to live on the 1/3.
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Old 06-20-2019, 11:45 PM
 
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Originally Posted by macyny View Post
Is this true? I didn't have enough hours working to have my own SS. I went on his at 62 and they told me at SS that I would only receive 1/3 of his SS.

When he passes, will I get his total amount?

I worry because after his passing, I would not be able to afford to live on the 1/3.
After his death you can receive a survivor benefit. It's different than a spousal benefit. The survivor benefit will be whatever your husband was receiving.
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Old 06-21-2019, 01:20 AM
 
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a widow gets what her husband got and their own check stops as long as she herself is fra .if she takes it pre fra she gets not only a reduced benefit but if her husband had any delayed credits for delaying past fra they may not apply . so it can be a significant hit taking survivor earlier then your own fra

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Old 06-21-2019, 06:15 PM
 
Location: tampa bay
6,587 posts, read 6,824,609 times
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Quote:
Originally Posted by mathjak107 View Post
No ,, you will get less at 62 .. you get your own benefit .. then they will take half his fra amount and subtract your fra amount ,regardless of the age you filed ..they add any difference to your early amount ..it will always be less then half because you filed at 62
Ok got it! Thanks!
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