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Quick question about SS Survivor Benefits
Old 04-10-2017, 12:12 PM   #1
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Quick question about SS Survivor Benefits

Hi all, this should be easy enough to find out but I am finding a whole lot more information than just the answer I'm looking for, especially on the SS website. But the answer is certainly important for planning.

I'm not really concerned about the potential for reduced benefits based on when either myself or DW files for SS, assuming it is still there in 10 years. We both work and have plenty of credits and will likely both file sometime between 62 and 67.

I just want to know if DW has filed, and is collecting her SS benefits, and I then assume room temperature sometime thereafter, does she ALSO collect survivor benefits? In a nutshell, does she get two income streams from SS upon my death?

I know this may be as basic as it gets but I just can't seem to find that clarification. Thanks very much.

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Old 04-10-2017, 12:16 PM   #2
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She can only receive one. She will receive survivor benefit if it greater than her own.

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Old 04-10-2017, 12:23 PM   #3
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Ok, thought it was too good to be true. Thanks much for the quick response.
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Old 04-10-2017, 08:43 PM   #4
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Note that if one of you has earned substantially more than the other, you may find a small advantage in starting benefits at different ages.
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Old 04-11-2017, 05:56 AM   #5
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And of course survivor benefits are maximized when the higher earner waits until 70 to claim their benefits.
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