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Lane
Lane, JD,CFP, MBA, CRPS
Category: Social Security
Satisfied Customers: 10163
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 have been receiving S S benefit for 14 years based on MY

Customer Question

I have been receiving S S benefit for 14 years based on MY earnings. My husband died 10 years ago. NOW, someone tells me I can also draw on his S S ALSO. iS THIS TRUE?
Submitted: 2 months ago.
Category: Social Security
Expert:  Lane replied 2 months ago.

Hi. ... I can help with this ... My name's Lane

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I hold a law degree, with concentration in Tax Law, Estate law & Corporate law, an MBA, with specialization in financial accounting & tax, a BBA, and CFP & CRPS designations, as well - I’ve been providing financial, Social Security/Medicare, estate, corporate, non-profit, and tax advice, since 1986.

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Please bear with me for a moment while I prepare your answer

Expert:  Lane replied 2 months ago.

There ARE various benefits (spousal, survivor, dependent, and one's own benefit based on their work record.

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And yes you are entitled to a survivor benefit based on you husband's work record (if you are over age 66 that will be 100% of his FRA benefit - unlike the SPOUSAL benefit which only 50% of his Full Retirement Age benefit.

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HOWEVER, benefits cannot be "stacked, " as Social Security puts it.

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They will always raise your benefit UP TO the higher benefit if you apply and are eligible for a higher benefit, BUT will pay you a combination of the two that, again, raises your benefit to the higher benefit.

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So, if your husband's benefit was more than yours, then yes, you should apply for a SURVIVOR benefit.

Expert:  Lane replied 2 months ago.

I hope this has helped. … Please let me know if you have any questions at all, before rating me

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If this HAS helped, and you DON’T have other questions … I'd appreciate a positive rating (using the stars or faces on your screen, and then clicking “submit") ... Otherwise I receive no compensation from JustAnswer for the work here.

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Thank you!

Lane

I hold a law degree, with concentration in Tax Law, Estate law & Corporate law, an MBA, with specialization in financial accounting & tax, a BBA, and CFP & CRPS designations, as well - I’ve been providing financial, Social Security/Medicare, estate, corporate, non-profit, and tax advice, since 1986.

Expert:  Lane replied 2 months ago.

Hi,

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I’m just checking back in to see how things are going.

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Did my answer help? ... Again, if your husband's benefit was more than yours, then yes, you are eligible for, and should apply for, a SURVIVOR benefit.

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

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But again, let me know if you need more on this.

Lane