How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask LawTalk Your Own Question
LawTalk
LawTalk, Attorney
Category: Social Security
Satisfied Customers: 37639
Experience:  I have 30 years of legal and litigation experience, including representing clients before the U.S. Social Security Administration.
15277592
Type Your Social Security Question Here...
LawTalk is online now
A new question is answered every 9 seconds

I am a widow and will turn 62 in June. I am working full time.

Customer Question

I am a widow and will turn 62 in June. I am working full time. Can I collect my husband's social security and is it taxable income? How much can I collect?
Submitted: 1 year ago.
Category: Social Security
Expert:  LawTalk replied 1 year ago.
Good afternoon,I'm Doug, and I'm very sorry to hear of your situation. My goal is to provide you with excellent service today. You may apply for a survivor benefit as early as age 60 and so yes, you may apply for the benefit now. Whether your survivor benefit will be taxable will depend on your total annual income. Let me explain. You can do the following quick computation to determine whether some of your benefits may be taxable:A. First, add one-half of the total Social Security benefits you received to all your other income, including any tax exempt interest and other exclusions from income.B. Then, compare this total to the base amount for your filing status. If the total is more than your base amount, some of your benefits may be taxable.If you are married filing jointly, your base amount is $32,000.If you are single, your base amount is $25,000.If you file a federal tax return as an "individual" and your combined income* is between $25,000 and $34,000, you may have to pay income tax on up to 50 percent of your benefits. If it is more than $34,000, up to 85percent of your benefits may be taxable.If you file a joint return, and you and your spouse have a combined income* that is between $32,000 and $44,000, you may have to pay income tax on up to 50 percent of your benefits. If it is more than $44,000, up to 85 percent of your benefits may be taxable.Your adjusted gross income + Nontaxable interest + ½ of your Social Security benefits = Your "combined income". The amount you will be able to collect will be the amount that your husband was either receiving at the time of his death, or the amount that he would have been eligible to receive at full retirement age had he lived to that age (66). As for the dollar amount, as I am not a social security employee, nor do I have access to your and your deceased husband's social security records, I cannot provide you a dollar amount. Only social security can do that, and then will when you make your application for a survivor benefit. You may reply back to me using the Reply link and I will be happy to continue to assist you until I am able to address your concerns, to your satisfaction.I hope that I have been able to fully answer your question. Please be so kind as to rate my service to you. That is the only way I am credited for assisting you.I wish you and yours the best in 2016,Doug You may reply back to me using the Reply link and I will be happy to continue to assist you until I am able to address your concerns, to your satisfaction.I hope that I have been able to fully answer your question. Please be so kind as to rate my service to you. That is the only way I am credited for assisting you.I wish you and yours the best in 2016,Doug
Expert:  LawTalk replied 1 year ago.
Good evening,Do you have any additional questions that you would like me to address for you?In case you would like a phone call to further discuss these issues you have raised, I will make that offer to you. You are certainly not obligated to accept a call offer, but many people do find it helpful for clarification purposes, as well as to allow them to ask additional questions.As I have provided you with the information you asked for, would you please now rate my service to you so I can be compensated for assisting you?Thanks in advance,Doug