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Stephanie O Joy, Esq
Stephanie O Joy, Esq, Soc. Sec. Attorney
Category: Social Security
Satisfied Customers: 13487
Experience:  19+ years legal exp. - 10+ years owning/operating her own SSD Law practice.
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My wife and I both collect social security. If one of us

Customer Question

My wife and I both collect social security. If one of us passes away, does the other person receive any of their payments?
Thank you.
Submitted: 1 year ago.
Category: Social Security
Expert:  Stephanie O Joy, Esq replied 1 year ago.

Yes, if either of you finds that the survivor benefit based on the deceased spouse's work record is more favorable than continuing to collect on one's own record, you can switch over. If one if of full retirement age when one seeks survivor benefit, it will be 100% of the deceases spouse's benefit. If 60 years old, it will be about 71%. If one is going to be relying on survivor benefit because it is higher than his/her own if own is delayed til 70, then he/she will likely NOT want to collect survivor til his/her FRA, so it is maximized.

Expert:  Stephanie O Joy, Esq replied 1 year ago.

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Expert:  Stephanie O Joy, Esq replied 1 year ago.

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