Another SS question - unique situation

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FireHorse
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Joined: Sat Nov 25, 2017 7:03 pm

Another SS question - unique situation

Post by FireHorse » Sun Sep 23, 2018 8:46 pm

DH is planning on claiming SS at 70 yr old. DW is 10 yr younger than him.
The scenario is that if anything happen to DH and he pass away at 68 yr old without claiming SS, can DW claim for DH's SS? Can she claim for his SS at 58 yr old? OR she has to wait until she is 67 yr old?

Many thanks.

delamer
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Joined: Tue Feb 08, 2011 6:13 pm

Re: Another SS question - unique situation

Post by delamer » Sun Sep 23, 2018 10:33 pm

A widow/widower has to be age 60 to get survivor benefits.

(Earlier if disabled or caring for minor children.)

ssa.gov has plenty of information on this topic.

FireHorse
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Joined: Sat Nov 25, 2017 7:03 pm

Re: Another SS question - unique situation

Post by FireHorse » Mon Sep 24, 2018 3:46 am

delamer wrote:
Sun Sep 23, 2018 10:33 pm
A widow/widower has to be age 60 to get survivor benefits.

(Earlier if disabled or caring for minor children.)

ssa.gov has plenty of information on this topic.
I will check.
Thanks

vested1
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Joined: Wed Jan 04, 2012 4:20 pm

Re: Another SS question - unique situation

Post by vested1 » Mon Sep 24, 2018 9:56 am

Here is a SS administration reference for survivor benefits.

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

In the scenario you describe the survivor would receive the same amount as the spouse would have received if they had filed on the date of death. However, there would be a reduction of that survivor benefit if it was taken before the survivor's FRA, age 67 in your scenario.

JW-Retired
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Re: Another SS question - unique situation

Post by JW-Retired » Mon Sep 24, 2018 1:00 pm

With your ten year age difference it is quite likely to pay for you to understand how this works.

The survivor does get to choose one benefit or the other to start with, and keep deferring the other one for later..... e.g., take the reduced survivor benefit when they are 60 and defer their own benefit to grow until it's max out when at 70. Or take theirs at their earliest age 62 and switch to the largest possible survivor benefit at age 67. Or something else in between.
JW
Retired at Last

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galeno
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Re: Another SS question - unique situation

Post by galeno » Tue Sep 25, 2018 10:44 am

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