Saturday, May 21, 2022

What Is Widow’s Benefits From Social Security

Don't Miss

You May Be Entitled To Benefits Based On Your Spouses Work History If

Social Security widow(er) benefits
  • You are already disabled and more than 50 years old.
  • Your disability develops soon after seven years after the death of your spouse

For example, if you start to develop a disability issues after your spouses death, but do not turn 50 within the prescribed period, then you may not be entitled to receive social security benefits until you reach age 60. You either have to meet the requirements mentioned in the listings of Blue Book or prove that you are not fit to do any work to earn a living. SSA will automatically consider you disabled if:

  • You can proof no past relevant work within the last 15 years
  • Have no formal schooling after 11th grade
  • You are suffering from serious/severe impairment

Such conditions should prevent you from hearing, seeing, speaking, sitting, walking, standing, lifting, pushing, pulling, or other relevant work. This can also include an inability to follow/ understand simple instructions.

Assuming the widows deceased spouse earned enough under Social Security, certain benefits are available

  • A widow can receive full survivor benefits at full retirement age or reduced benefits at age 60
  • Switch to retirement benefits at age 62, provided the widow qualifies for such benefits on her own record
  • Receive benefits as early as age 50, if the widow is disabled and that disability began before or within seven years of the spouses death

Disabled widows may also receive benefits in ways that non-disabled widows cannot.

Survivor Benefits Paid Out By Social Security Can Keep A Surviving Widow Above Poverty

Because so many American families are dependent on Social Security it can mean the difference between being impoverished or not.

Millions of widows and widowers are receiving benefits from Social Security based on the earnings record of the deceased spouse.

Those benefits are the only thing that is keeping some of those surviving spouses and families afloat.

A widow can start to receive benefits as early as age 60.

If the spouse qualifies to receive benefits based on their own earnings theyre able to make the switch if it makes sense to do so.

If the surviving spouse is disabled they may be eligible to start getting benefits as young as 50 years old.

It is dependent on whether or not the surviving spouse was disabled before or within 7 years of the death of the spouse.

If the surviving widow is the caretaker of children of the deceased and they have not remarried then they can be eligible to receive benefits regardless of their age.

This is provided that the child or children are under the age of 16 or if they are disabled.

If the surviving spouse remarries after they are age 60 then they will still be eligible to get survivors benefits.

What Is The Maximum Amount You Can Earn While Collecting Social Security In 2020

The Social Security earnings limits are established each year by the SSA. For 2020, those who are younger than full retirement age throughout the year can earn up to $18,240 per year without losing any of their benefits. After that, you ll lose $1 of annual benefits for every $2 you make above the threshold.

You May Like: Social Securities Benefits

Other Factors That Affect Eligibility:

If a disabled widow or widower remarries before reaching the age of 60, they cannot receive benefits as a surviving spouse while theyre married.

If the widow or widower, either disabled or not, remarries after attaining the age of 60, the marriage does not disqualify them from continuing to receive benefits on the earnings record of the deceased wage-earner.

Widows, widowers, and surviving divorced spouses cannot apply online for survivors benefits. They should contact the Social Security Administration at 1-800-772-1213 to request a telephone appointment.

If applying for disability benefits on a deceased workers record, the application process will go faster an Adult Disability Report, form SSA-3368-BK is prepared in advance. This report should be readily available at the time of their appointment, and can be downloaded by clicking on this link: SSA-3368-BK Adult Disability Report

What Percentage Of Social Security Benefits Does A Widow Or Widower Receive

social security widows benefits amount alqurumresort com ALQURUMRESORT.COM” alt=”Social security widows benefits amount > ALQURUMRESORT.COM”>

The surviving spouse can receive 100% of the benefits at full retirement age. If the surviving spouse is between age 60 and their full retirement age, they can receive reduced benefitsusually 71.599%. If the surviving spouse is disabled, they can begin receiving 71.5% of the benefits at age 50. Surviving spouses with children under 16 receive 75% of the benefits

Read Also: Soial Security

Can Grandchildren Get Survivor Benefits

Yes, under certain conditions. Social Security may pay dependent or survivor benefits to your grandchild if the parents are deceased or disabled or if you have legally adopted the child. … If the child is less than a year old, you must prove that you provided at least half of the baby’s support from his or her birth.

How Do You Apply For Survivor Benefits

Because individual circumstances can vary widely, it is not possible to apply for survivor benefits online. However, you can apply over the phone or by appointment at your local Social Security office. Current requirements and contact information are always available on the Social Security Administration website.

Applying for survivor benefits may require you to submit specific documents, such as a death certificate, marriage certificate, proof of citizenship, or a divorce decree, so rounding them up beforehand will help expedite the process.

Recommended Reading: How To Take Social Security

Who Can Get Survivor Benefits And At What Age

After the death of a spouse, you can get a monthly Social Security survivor benefit. This is true as long as you have been married for at least nine months.

If you are caring for the child of your deceased spouse, and the child is under the age of 16, you can claim your spousal payment after their death even if you were married much less time.

You can collect a Social Security survivor benefit as early as age 60. If you are disabled, you can collect this payment as early as age 50.

At age 60 you will receive only about 70% of the amount you could get if you wait until your Full Retirement Age . This is age 66 for people born in 1945-1956. FRA increases for people born in 1962 or later. The highest FRA for collecting a spousal benefit is 67.

How To Use This Information

Social Security Widow Benefit Strategies

Each survivor’s situation is different. Talk to a Social Security representative before you decide to take benefits.

You cannot use the Retirement Estimator to determine benefit amounts for a surviving spouse. However, if you know what the worker’s yearly lifetime earnings were, you can use our Online Calculator to get a rough estimate of what the benefits would be for the surviving spouse at full retirement age.

If you know what the widow or widowers benefit is at full retirement age, you can use the information for the survivor’s year of birth to find out how much the widows or widowers benefit would be at various ages.

Don’t Miss: How Do I Start Collecting Social Security Benefits

Maximizing Widow And Widower Ssd Benefits And Social Security Benefits With Help From Kentucky Social Security Attorneys

The timing of your claim for widow or widower benefits as well as Social Security benefits can be very important. Depending on your age, it may be more advantageous in some cases to delay claiming one benefit when you are entitled to both. In some cases, one benefit may provide a higher amount than the other until you are of a certain age. In other cases, you may be entitled to more benefits if you delay claiming any benefits until reaching a certain age, and then potentially switching to another type of benefits thereafter.

Because of the complexity of this process, it is crucial to understand all of your options. If you need assistance in obtaining widow or widower SSD benefits in Kentucky, you should talk to a qualified disability attorney. A lawyer from the Paul Baker Law Office can aid you in evaluating all of your potential benefits options and all legal filing regulations involved.

The Paul Baker Law Office has been handling SSD claims for clients all over Kentucky for over two decades. Our firm is dedicated to helping clients seek the most SSD benefits they are entitled to over the course of a lifetime. Call us or contact us online to schedule a free consultation today.

Social Security Disability Survivor Benefits For Widow Assistance

  • The Social Security Disability Administration uses the same definition of disability for widows as it does for workers. A widow receiving Social Security benefits and caring for the workers children is still eligible for survivors benefits.
  • Disabled Widow Benefits are granted to these widows, as long as the widows disabilities start before the Social Security benefits end or within seven years after they end.
  • Overall, the process for receiving widow benefits can become very confusing. If you have been denied Social Security Disability Benefits, you should seek the legal advice and representation of experienced legal counsel.

Recommended Reading: Social Security Account Activation Code

How Much To Expect From Social Security Spousal Benefits

The size of your Social Security spousal benefit depends on your age, your spouses age, the maximum amount of your spouse’s benefit, and whether other benefits are available to you. The maximum amount you can claim is 50% of your spouse’s full benefit.

You might be eligible for a retirement benefit based on your own earnings history. If your retirement benefit is higher than the spousal benefit, then Social Security will pay your retirement benefit. If the spousal benefit is higher, then Social Security will pay you the spousal benefit.

For example, lets say your spouse earned an average of $90,000 per year working full time for over 40 years, and you earned an average of $20,000 per year at various part-time jobs over 20 years, along with raising your children. You would take the spousal benefit because it would be higher than your retirement benefit.

It’s important to keep in mind that if you get a pension from your public-sector work that wasn’t subject to FICA taxes, Social Security will reduce the benefit you are eligible to receive as a spouse, ex-spouse or survivor. That reduction is two-thirds of your pension amount.

Are There Any Maximum Benefit Amounts That A Family Can Receive

What percentage of Social Security does a widow receive ...

There are some limits to the total amount that any family member is eligible to receive on a monthly basis.

These limits are dependent on some variables but in general, they range between 150% up to 180% of the total eligible benefits.

If the total amount that is to be paid to the family exceeds that amount, then it will be adjusted.

If benefits are being paid to both an existing surviving widow and a divorced one, then the benefits paid to the divorced widow is not counted for benefits paid to the existing widow.

Recommended Reading: How Much Can I Earn While On Social Security Disability In 2019

What Benefits Are Available For Disabled Widows Or Widowers

Disabled Widows and widowers can receive benefits as early as age 50, provided they are disabled AND their disability started before or within seven years of the wage-earners death.

It is important to note that if a widow or widower is caring for the wage-earners minor child or children and is receiving Social Security benefits on behalf of the minor child or children, the seven-year period of time does not begin to run until those payments end. Thus, in a case where a wage-earner dies and there are minor children, the surviving spouse has an extended period of time, until benefits for the youngest child have stopped, plus an additional seven years, to establish eligibility for benefits as a disabled surviving spouse.

The surviving disabled spouse must attain the age of 50 within the 7-year window described above. If a disabled surviving spouse does not attain the age of fifty within seven years of the wage-earners death, and there are no minor children, no widows or widowers benefits are available. Nonetheless, the disabled surviving spouse may qualify for disability benefits under their own earnings record.

How Much Would Your Survivors Receive

How much your family could receive in benefits depends on your average lifetime earnings. The higher your earnings were, the higher their benefits would be. We calculate a basic amount as if you had reached full retirement age at the time you die.

These are examples of monthly benefit payments:

  • Widow or widower, full retirement age or older100 percent of your benefit amount.
  • Widow or widower, age 60 to full retirement age71½ to 99 percent of your basic amount.
  • Disabled widow or widower, age 50 through 5971½ percent.
  • Widow or widower, any age, caring for a child under age 1675 percent.
  • A child under age 18 or disabled75 percent.
  • Your dependent parent, age 62 or older:
  • One surviving parent82½ percent.
  • Two surviving parents75 percent to each parent.

Percentages for a surviving divorced spouse would be the same as above.

There may also be a special lump-sum death payment.

Also Check: Find My Child’s Social Security Number

Survivors Benefits If You Have Children

If your spouse dies and you have children with them under the age of 16, then , you can receive up to 75% of your spouses benefit. Similarly, if your spouse has children under 16 by a previous marriage, that spouse may receive up to 75% of your spouses benefit. Also, each child, up to the age of 18, or 19 if still in secondary school or disabledmay also receive up to 75%.

The maximum a family can receive is up to 180% of the workers PIA. If ex-spouses receive benefits, it does not in any way impact the amount a current spouse will receive . However, if you qualify because you have the workers child in your care, your benefit will affect the amount of the benefits of others on the workers record.

If a spouse or former spouse is not caring for the children of the deceased worker, they may still apply for benefits on their own, if they are at least 60 .

Types Of Widow Or Widower Ssd Benefits

Social Security: Widows and Widowers

The level of widow or widower SSD benefits you may collect is often based on your age group. The following are the SSD age group categories:

  • Full retirement age This group receives full benefits, or 100 percent of the deceased spouses SSD benefits.
  • At least 60 years of age, but not yet full retirement age This group receives reduced benefits, usually between 71.5 and 99 percent of the deceased spouses SSD benefits.
  • At least 50 years of age and disabled This group receives 71.5 percent of the deceased spouses SSD benefits.
  • At any age when not remarried and caring for a child receiving SSD survivor benefits on the deceased spouses record This group will receive 75 percent of the deceased spouses SSD benefits.

With regard to the final group, be aware that benefits to a widow or widower caring for a child under 16 years of age, receiving SSD benefits on the deceased spouses record, end when the child turns 16 years old. A widow or widower can continue to receive SSDI benefits, however, when the child is disabled and continues to be in the care of the widow or widower while receiving SSDI benefits on the deceased parents earnings record. A widow or widower is generally required to have been married to the deceased spouse for at least nine months.

Furthermore, widow or widower benefits can be reduced when a widow or widower is working.

Read Also: What Is Your Social Security Benefit Based On

Iii A Retirees Consumption Versus An Heirs Inheritance

Previous sections of this paper have examined situations in which heirs would end up worse off under private-account plans. For many other retirees, private accounts would make little difference in how much their heirs inherited.

For retirees who live to about an average life expectancy, private accounts would offer essentially the same tradeoff as retirees face today in the absence of private accounts: retirees could leave a nest egg for their heirs, but to do so, they would have to sacrifice some of their own consumption in old age.

Retirees can use their resources either to consume for themselves or to save for heirs. If private-account plans provide retirees with the same overall level of resources as a system without private accounts , then the choice will remain essentially the same for retirees, irrespective of the form in which the money comes. A monthly Social Security check can either be spent or saved for an inheritance. The same goes for a lump-sum payment or monthly income from a private account.

Accordingly, retirees with private accounts would face similar decisions to those that retirees face under the current system. Under both systems, retirees would have to decide to what degree to spend to meet current needs and to what degree to save for heirs.

When Should You Claim A Survivor’s Benefit

There are pros and cons to taking your survivor benefit before your FRA.

If you start at a lower age, you get this income for a longer time. The amount you get, though, may be lower than if you started later.

Many people can start to collect a survivor benefit before their reach FRA. It may make sense to start collecting now, then switch to your own retirement benefit at age 70 if it would be larger at that point.

For example, you could have these two options:

  • At age 60, take a deceased spouse’s benefit of $18,180 a year. Then at age 70, switch to your own benefit of $20,304.
  • At age 62, take your own benefit of $10,752 a year. Then at 66, switch to your own benefit of $24,480 a year.
  • At first glance, taking the money at 60 might seem like a good idea. But choosing option 2 will provide at least $30,000 more income over your life.

    It will also provide a more secure income at age 66 and beyond once you take into account. If your goal is to reduce the risk of living longer than you have money for, you will want to use the option that gives you the most income over the rest of your life.

    This might mean not starting benefits right away, even if you are able to get them. If you wait until age 66 or 67 and get more, you will have a higher total payout from Social Security over your lifetime.

    Read Also: What Comes Out Of Social Security Check

    More articles

    Popular Articles