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PDtax
PDtax, CPA firm owner
Category: Social Security
Satisfied Customers: 4522
Experience:  35 years tax and professional advice in all matters money
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A surviving widow receives $800 per month on her own record.

Customer Question

A surviving widow receives $800 per month on her own record. Deceased husband received $1,400 on his record. combined income $2,200. Is the widow entitled to receive $1,400 under survivor benefits and 0 under her benefits?
Submitted: 1 year ago.
Category: Social Security
Expert:  PDtax replied 1 year ago.

Hi from just answer. I'm PDtax, and will assist.

Expert:  PDtax replied 1 year ago.

Survivor benefits vary, depending on several factors. From SSA.gov:

These are examples of the benefits that survivors may receive:

  • Widow or widower, full retirement age or older -- 100 percent of the deceased worker's benefit amount;
  • Widow or widower, age 60 -- full retirement age -- 71½ to 99 percent of the deceased worker's basic amount;
  • Disabled widow or widower aged 50 through 59 -- 71½ percent;
  • Widow or widower, any age, caring for a child under age 16 -- 75 percent.
  • A child under age 18 (19 if still in elementary or secondary school) or disabled -- 75 percent.
  • Dependent parent(s) of the deceased worker, age 62 or older:
    • One surviving parent -- 82½ percent.
    • Two surviving parents -- 75 percent to each parent.
Expert:  PDtax replied 1 year ago.

https://www.ssa.gov/planners/survivors/ifyou5.html is the link to use for additional information, and for the material cited.

Thanks for asking at just answer. Positive feedback is appreciated. I'm PDtax.

Customer: replied 1 year ago.
You didn't answer my question. Should the surviving widow at full retirement age receive $1400
Expert:  PDtax replied 1 year ago.

You didn't provide her age, or when she first claimed benefits.

Customer: replied 1 year ago.
She is 85 and began her benefits at 62. Thank you
Expert:  PDtax replied 1 year ago.

OK. I can make sense of the benefit math now.

Expert:  PDtax replied 1 year ago.

A survivor benefit would be 83% of the decedent's benefit, since the widow claimed benefits early. She should be eligible for her $800 benefit plus an additional $367 survivor benefit per month to get to a total of (1,400*.83) $1167.

Thanks for asking at just answer. A visit to an SSA office might confirm the work record math and filing the application materials.

Positive feedback is appreciated. I'm PDtax.

Customer: replied 1 year ago.
Thank you very much
Expert:  PDtax replied 1 year ago.

You're welcome. Please take a moment to rate my assistance using the rating scale. That closes out your question. I'm PDtax.