Good afternoon Stephanie,
I'm Doug, and I'm sorry to hear of the confusion. My goal is to provide you with excellent service today.
If I understand what you are telling me, you are presently receiving a spouse benefit that is comprised of your own retirement benefit and a part of your ex-husband's benefit.
If you remarry now, you will lose your ex-husband's portion of your retirement benefit, but your share based on your lifetime earnings will continue. After 12 months of marriage you will be able to apply for a spouse benefit based on your new husband's work record.
And yes, if your new husband predeceases you, you will then be eligible for a survivor benefit which will be equal to 100% of the retirement benefit that your new (2nd) husband is receiving at the time of his passing.
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. As I am not an employee of JustAnswer, please be so kind as to rate my service to you. That is the only way I am compensated for assisting you. Thank you in advance.
I wish you and yours the best in 2016,