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If I die before 70
Old 05-08-2021, 09:22 AM   #1
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If I die before 70

Just a quick question for the forum. My wife and I are retired. Currently I am 64 and not taking SS. My wife is 65 and receiving her SS. I am waiting until 70 to take my SS since my SS amount is greater than my wife's. Question: What happens if I die before reaching 70? Will my wife still be able to claim my SS. If so what amount would she receive. Would it be the amount that I would have received if I had taken it at the time of my death. Thanks for any help on this question.
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Old 05-08-2021, 09:55 AM   #2
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This is an informative page: https://articles.opensocialsecurity....t-calculation/

In particular:

Quote:
If your spouse had not filed yet for his/her own retirement benefit by the time he/she died, then:

If your spouse died prior to his/her full retirement age, your benefit as a surviving spouse will be your deceased spouse’s PIA.
If your spouse died after reaching his/her full retirement age, your benefit as a surviving spouse will be whatever he/she would have received as a retirement benefit, if he/she had filed on his/her date of death.
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Old 05-08-2021, 11:15 AM   #3
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Thank You.


If your spouse had not filed yet for his/her own retirement benefit by the time he/she died, then:

If your spouse died prior to his/her full retirement age, your benefit as a surviving spouse will be your deceased spouse’s PIA.

If your spouse died after reaching his/her full retirement age, your benefit as a surviving spouse will be whatever he/she would have received as a retirement benefit, if he/she had filed on his/her date of death.
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