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Am I able to collect SS benefits from my deceased spouse…

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Am I able to...

Am I able to collect SS benefits from my deceased spouse even though I collect SS under my own work record? Is it true a widow may collect both?

Accountant's Assistant: These retirement benefits are supposed to help us but they can be so complicated! The Retirement Expert will help you get the most benefits propertly. Please tell me more, so we can help you best.

My husband passed away two years ago. I was told recently that although I collect benefits under my own work record, I may also collect additional benefits under his work record.

Accountant's Assistant: Is there anything else important you think the Accountant should know?

I believe I've told you everything.

Submitted: 11 months ago.Category: Social Security
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Answered in 1 hour by:
7/31/2017
Social Security Expert: Barbara, Enrolled Agent replied 11 months ago
Barbara
Barbara, Enrolled Agent
Category: Social Security
Satisfied Customers: 6,394
Experience: 20+ years of experience in tax preparation; 30+ years of experience as a real estate/corporate paralegal.
Verified

Welcome to Just Answer. My name is ***** ***** I will be happy to assist you.

Your survivor benefit amount would be based on the earnings of the person who died. The more they paid into Social Security, the higher your benefits would be.

The monthly amount you would get is a percentage of the deceased's basic Social Security benefit. It depends on your age and the type of benefit you would be eligible to receive.

If you’re due two benefits, you get the one that pays the higher rate, not both.

Most women are potentially due two benefits: your own retirement benefit and wife’s benefit on your husband’s record.

But you only get the one that pays the higher rate, not both.

A wife is due between one-third and one-half of her husband’s Social Security.

Most working women who reach retirement age get their own Social Security benefit because it’s more than one-third to one-half of the husband’s rate.

But if your husband dies before you, you can apply for the higher widow’s rate.

Widows are due between 71 percent (at age 60) and 100 percent (at full retirement age) of what the husband was getting before he died.

But we must pay your own retirement benefit first, then supplement it with whatever extra benefits you are due as a widow, to take your Social Security benefit up to the widow’s rate.

The following link contains excellent information you will find helpful:

https://www.ssa.gov/sf/FactSheets/WomenandSSrev1.pdf

Please let me know if I can assist you further.

Thank you and best regards,

Barb

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Social Security Expert: Barbara, Enrolled Agent replied 11 months ago

Just following up with you to see if you have any other questions. If so, please let me know so I can further assist you.

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Barbara
Barbara
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Category: Social Security
Satisfied Customers: 6,394
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Experience: 20+ years of experience in tax preparation; 30+ years of experience as a real estate/corporate paralegal.

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