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Lane
Lane, JD,CFP, MBA, CRPS
Category: Social Security
Satisfied Customers: 10152
Experience:  Law Degree, specialization in Tax Law and Corporate Law, CFP and MBA, Providing Financial, Social Security & Tax advice since 1986
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I am currently 65 and on SSDI and will need to draw social

Customer Question

I am currently 65 and on SSDI and will need to draw social security in Dec. 2t016. My ex-husband of 25 years passed away last year and I was told that I could draw on his social security as well. He was 66 when he passed but due to his heart retired at 62. I was told that the only difference I would receive was $9 a month. My understanding of the conversation was that I could only collect the highest of the two, but could not draw any monies from him. Is this correct.
Submitted: 6 months ago.
Category: Social Security
Expert:  Lane replied 6 months ago.

Hi,

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That's correct. Benefits cannot be "stacked," as Social Security calls it.

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Your benefit, when on SSDI, converts automatically to SS retirement. Nothing changes, in terms of amount. You will simply be paid from a different fund.

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And then, yes, if drawing survivors benefits on your husbands record would be MORE than your benefit, Social Security will raise the benefit TO that amount.

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See this (from https://www.ssa.gov/sf/FactSheets/WomenandSSrev1.pdf) - Top of page 2

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If you’re due two benefits, you get the one that pays the higher rate, not both

 Most women are potentially due two benefits: your own retirement benefit and wife’s benefit on your husband’s record.

 But you only get the one that pays the higher rate, not both.

 A wife is due between one-third and one-half of her husband’s Social Security.

 Most working women who reach retirement age get their own Social Security benefit because it’s more than one-third to one-half of the husband’s rate.

 But if your husband dies before you, you can apply for the higher widow’s rate

Expert:  Lane replied 6 months ago.

Please let me know if you have any questions at all.

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If this HAS helped, and you DON’T have other questions … I'd appreciate a positive rating (using the faces or stars on your screen, and then clicking “submit")

I know it takes an extra step, but JustAnswer won’t credit us for the work until you rate.

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Thank you!

Lane

I hold a law degree (JD, Juris Doctorate), with concentration in Tax Law, Estate law & Corporate law, an MBA, with specialization in finance & tax, as well as CFP® and CRPS designations. - I’ve been providing financial, Social Security/Medicare, estate, corporate, both for-profit and non-profit, and tax advice since 1986.

Customer: replied 6 months ago.
Thank you for the info. It appears that I will receive nothing from his ss then which doesn't seem right. I would have expected a few hundred dollars to help with medical costs.
Customer: replied 6 months ago.
Is there anyway to get the one third or one half for medical/prescription costd?
Expert:  Lane replied 6 months ago.

So sorry to be the messenger here

Expert:  Lane replied 6 months ago.

oh sorry looks like we crossed

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You WILL qualify for Medicare

Expert:  Lane replied 6 months ago.

IF the benefit is low ENOUGH, you may be able to qualify for SSI, hence MediCAID

Expert:  Lane replied 6 months ago.

If your benefit is your only income and below the income limit ($733/mo.) for SSI (diffrent from SSDI) then you become dually eligible.

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(Again, no stacking) but if your income is THAT low, then you'd be abe to quaify for both Medicaid AND Medicare, which will help

Expert:  Lane replied 6 months ago.

I hope you’ll rate me (using those stars, or faces on your screen, by clicking submit) based on thoroughness and accuracy, rather than any good news / bad news content. That’s the only way I’ll be credited for the work here.

Thank you!

Lane