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lev-tax, Tax Advisor
Category: Social Security
Satisfied Customers: 34315
Experience:  Taxes, Immigration, Labor Relations
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At FRA I began receiving SS benefits. My wife of 64 at the

Customer Question

at FRA I began receiving SS benefits. My wife of 64 at the time began receiving the reduced benefit since she was not at the FRA. At my death will she receive the benefit that I have been receiving instead of the current spousal benefit?
JA: 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. Is there anything else important you think the Retirement Accountant should know?
Customer: No. This is important since I have been told by some that her widow benefit is locked into the spousal benefit that she has been receiving since age 64.
Submitted: 8 months ago.
Category: Social Security
Expert:  lev-tax replied 8 months ago.

I hope you will live long enough and enjoy your benefits.

Your spouse will receive survival spouse benefits equals to 100% of your benefits - that will NOT be affected by her receiving her own benefits before her FRA.

Survival benefits are managed differently.

However - she will need to choose which benefits to receive as she will not be able to have both benefits at the same time.

Let me know if any clarification needed.

Customer: replied 8 months ago.
If I wait until 70 to begin SS benefits and my wife is 64 what percentage of my benefit will she receive and when widowed will she receive 100% of my then current benefit?
Expert:  lev-tax replied 8 months ago.

Your benefits are based on PIA - primary insurance amount - which is calculated on your average earning

If you choose to delay your social security benefits - your benefits will be increased - up till age 70.

Your spouse may be eligible for spousal benefits - based on your working history - and that will be 50% of PIA - is she starts at her FRA.

Your spouse will NOT get any delay credits.

If she starts at age 64 - before her FRA - he spousal benefits will be reduced.

When you die - her survival benefits will be 100% of PIA - if she will be above her FRA at that time.


Expert:  lev-tax replied 8 months ago.

I appreciate if you take a moment to rate the answer.

Experts are ONLY credited when answers are rated positively.

If you still have any doubts, need clarification - please be sure to ask.

I am here to help you with all Social Security / Tax related issues