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Stephanie O Joy, Esq
Stephanie O Joy, Esq, Soc. Sec. Attorney
Category: Social Security
Satisfied Customers: 13564
Experience:  22+ years legal exp. - 12+ years owning/operating her own SSD Law practice.
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I am 67 and plan on collecting social security at 70. My

Customer Question

I am 67 and plan on collecting social security at 70. My wife claimed early social security at 62, $939.00 a month, she is now 64. My estimated benefit at 70 is $2882.00 a month. If I were to die what would her benefit be?
Submitted: 1 year ago.
Category: Social Security
Expert:  Stephanie O Joy, Esq replied 1 year ago.

Hi, my name is***** and I am here to assist you. I am a social security attorney in my private practice – that is ALL I do. Please let me know that my post here is coming through for you by typing a quick reply.

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

OK, in the meantime. If you were to pass away, your wife would be eligible for between 701.5% and 100% of whatever you were collecting as a benefit. SO if you increase your own til age 70, she'd get a benefit based on that increased amount. The reduction would apply if she didn't wait til her own retirement age of 66+, to started collecting that survivor retirement benefit. Collecting early, like any other retirement, causes the appropriate mathematical reduction.

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

So if she collected at 66 and you'd waited til 70 and had your 2882/mo., she'd be eligible to get that amount (or switch to it from some other benefit she may have chosen to collect). If she collects her own or spousal earlier than FRA, it will NOT cause a reduction in a later survivor benefit - only taking the survivor benefit earlier than FRA will cause IT to be reduced.

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

I hope this helps! My goal is to provide you with excellent and accurate service – if you feel you have gottenanything less, please reply back, I amhappy to address follow-up questions.

Kindly rate me "excellent"when you are done. I look forward to assisting you in the future, should you have legal questions. Be sure to start future posts with "To ***** Esq., ONLY" if you want me to specifically answer it.

Sincerely, ***** ***** Joy, Esq.

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


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