Join Early Retirement Today
Thread Tools Search this Thread Display Modes
Widow's question re Social security
Old 10-14-2006, 07:03 PM   #1
Confused about dryer sheets
Join Date: Feb 2005
Posts: 3
Widow's question re Social security

I read some of the SS postings on Best of the Boards. Does anyone know the anwer to this question?

My spouse died several years ago at age 60. I took the SS widow's benefit when I was 60. It amounts to about 75% of the total SS my spouse would have gotten had he reached full retirement age.

When I read either my full retirement age (almost 67) or wait until 70, (1) if the SS I'm entitled to on my work record is higher than what I am receiving on the basis of my spouse's record, will I receive that higher amount even though I have received benefits (albeit my spouse's) before I reached retirement age and (2) do I need to choose between receiving his benefits or mine, or do I get a combination of the two?

jsbindex is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Re: Widow's question re Social security
Old 10-15-2006, 07:52 AM   #2
Moderator Emeritus
Martha's Avatar
Join Date: Feb 2004
Location: minnesota
Posts: 13,228
Re: Widow's question re Social security

I thought this question would be easy, but I am not finding a clear absolute answer. The social security website says:

If you are receiving widows, widowers, or divorced widows or widowers benefits, you can switch to your own retirement benefit as early as age 62. This assumes you are eligible for retirement benefits and your retirement rate is higher than your rate as a widow or widower. In many cases, a widow or widower can begin receiving one benefit at a reduced rate and then, at full retirement age, switch to the other benefit at an unreduced rate.

Because the rules are complicated and vary depending on your situation, you may want to call 1-800-772-1213 to make an appointment to talk with a Social Security representative about the options available to you.

I don't know why they say the rules are complicated and what complications those may be and if any of those complications would reduce your benefits.

No more lawyer stuff, no more political stuff, so no more CYA

Martha is offline   Reply With Quote
Re: Widow's question re Social security
Old 10-15-2006, 08:53 AM   #3
Thinks s/he gets paid by the post
Join Date: Feb 2006
Posts: 1,183
Re: Widow's question re Social security

Being a widow and having talked with them myself when I still had minor children as well as a few months ago, it appears that if you take the widows benefits at 60... They do a reduction in your benefits later. So, spend the time to analyze it very carefully!
crazy connie is offline   Reply With Quote
Re: Widow's question re Social security
Old 10-15-2006, 09:41 PM   #4
Full time employment: Posting here.
Join Date: Aug 2005
Posts: 943
Re: Widow's question re Social security

I would ask Social Security. But get their answer in writing.
modhatter is offline   Reply With Quote

social security

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
couple social security perinova Young Dreamers 19 05-14-2006 04:13 PM
Switching Social Security bongo2 FIRE and Money 58 05-07-2006 05:21 PM
Millions of Americans get by on Social Security alone retire@40 FIRE and Money 27 08-19-2005 01:30 PM
Social Security will last longer ...maybe mickeyd FIRE and Money 7 06-28-2004 06:55 AM
Social Security estimate now vs. actual Telly FIRE and Money 8 05-15-2003 02:56 PM

» Quick Links

All times are GMT -6. The time now is 02:15 AM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2023, vBulletin Solutions, Inc.