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.
thank you in advance I was married 14 years the first marriage if i collect on his ss if he collects at 66 can i wait until 70 and get more
.
I was married 25 year my husband passed he was 66 I did not collect do to being only 62 i want to wait until 70 he was going to be affected by windfall will this affect me i do think so but not sure if it does i will collect first husbands ss if needed
Me neither. I have a vague idea of what the OP is saying but there's no sense in answering a question that may not be what I presume it to be. She should come back here and clarify her post.
I am a widow and know a little bit about collecting survivor's benefits. If I am reading your post correctly you were married to husband # 1 who is still alive for 14 years. You were married to husband # 2 who is deceased for 25 years.
If husband # 1 is still alive and you remarried you are not eligible to collect on his SS. If husband # 1 is deceased and you remarried after age 60, when you turn 60 you can begin to collect on his SS at a reduced amount, and the later you wait getting closer to your full retirement age the larger the amount.
I am a recent widow and trust me: Save yourself some time and anxiety- make an appointment and go to the Social Security Office and ask them to tell you what you are eligible for. Make sure you write down your questions and they will explain it until you understand it and you can even write down what they tell you so you don't forget. Take it home and think about it...
Just because they give you the information, you are not obligated to apply right away.
You can always go back after you think about the information that they give you, when you decide what you want to do.
I drove myself crazy thinking about the same stuff before I went in there and just asked them. They were very nice and it was worth it just to find out the facts. Hope this helps..
Being a survivor, and if you are older than 60, you can collect 1/2 your husband's SS.
Not touching your's
But that can be reduced by a means test, meaning, you will lose $1 for every $2 past you earning $14,300
You can collect this spousal benefit for as long as you want.
As you turn 62/66/70 you can find out from SS if "your" benefit would be higher
When "your" benefit is higher, you have the option of changing or letting your benefit grow, until it max's out at 70.
You can switch from the spousal benefit to your personal benefit when ever you want.
Talk to SS and find out actual numbers and dates when those benefits kick in.
Being a survivor, and if you are older than 60, you can collect 1/2 your husband's SS. Not touching your's
I don't believe 1/2 is correct. The benefit amount the widow or widower receives is not 1/2. That is the spousal benefit for a living spouse.
Ask Social Security. My understanding is that, if the widow or widower has reached Full Retirement Age or older, then he or she is eligible to receive 100 percent of the deceased worker's benefit amount.
The same goes for the divorced spouse of a deceased worker. The divorced spouse is eligible to receive 100% of the deceased worker's benefit amount if the divorced spouse has reached FRA, was married to the deceased worker for 10 years or more, and has not remarried.
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.
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.
