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Lane
Lane, JD,CFP, MBA, CRPS
Category: Social Security
Satisfied Customers: 12484
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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My father passed away June 20, 2016. He was receiving about

Customer Question

My father passed away June 20, 2016. He was receiving about $2,000 a month for Social Security. My mother is receiving about $558 a month. We thought she would be getting 100% of my dad's social security for survivors benefits from what I read on their website. She spoke to a representative this morning and was told she would continue to get her $558, but would only get about $680 in survivor benefits. Is this correct?
Submitted: 1 year ago.
Category: Social Security
Expert:  Lane replied 1 year ago.

Hi,

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Those numbers are correct.

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Social Security benefits cannot be stacked.

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If the survivors benefit (100% of his benefit if the surviving sopuse is full retirement age or older) is more than her current benefit, her benefit will be raised TO that higher number.

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Expert:  Lane replied 1 year ago.

You can read more aboout that here:

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https://www.ssa.gov/planners/survivors/ifyou5.html

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From there:

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"These are examples of the benefits that survivors may receive:

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You'll also see this (on page 8 of SSA's survivor Benefits flyer)

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" We’ll check to see if you can get more money as a widow or widower. If so, you’ll get a combination of benefits that equals the higher amount. You must complete an application to switch to survivors benefits"

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https://www.ssa.gov/pubs/EN-05-10084.pdf

Expert:  Lane replied 1 year ago.

I hope this has helped. … 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")

JustAnswer will not credit me for the work unless you do.

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Thank you!

Lane

I have a law degree, (Juris Doctorate), 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.