In this video, we explain how Social Security benefits work for widows. Spousal social security benefits can be some of the most difficult to understand parts of Social Security. Determining the benefits you can receive when your spouse passes away depends on the length of your marriage and the benefit amount you and your spouse were eligible for.
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Social Security Survivor/Widow Benefits 2023: Everything You Need to Know
The death of a spouse is a traumatic and painful experience, and the last thing anyone wants to think about is financial stability. However, Social Security Survivor/Widow benefits are available to help ease the financial burden for those who have lost their spouse.
Social Security Survivor/Widow Benefits, also known as survivor benefits, are monthly payments for widows, widowers, and dependents of a deceased Social Security recipient. These benefits can provide financial support to help cover the loss of income and expenses that come with losing a spouse.
In 2023, Social Security Survivor/Widow benefits will continue to be available to eligible recipients. The amount of benefit will vary based on several factors, including the deceased spouse’s earnings record and the age of the surviving spouse.
To be eligible for Social Security Survivor/widow benefits, you must be:
– A widow/widower who was married to the Social Security recipient for at least 9 months before their death.
– A divorced spouse who was married to the Social Security recipient for at least 10 years.
– A surviving child who is under 18, a disabled or financially dependent adult child, or a dependent parent who was financially supported by the deceased Social Security recipient.
If you are eligible for a survivor benefit, you can receive up to 100% of the deceased spouse’s Social Security benefit amount. However, the exact amount you will receive depends on several factors, including your age, your relationship to the deceased, and your own earnings record.
In 2023, the maximum monthly benefit for a surviving spouse who is at full retirement age (currently 67 years old) will be $3,229. This amount can change each year based on inflation and other factors.
Survivor benefits are generally not taxable, but if you have other sources of income, such as a pension, you may have to pay taxes on a portion of your Social Security benefits. The amount that is subject to taxes will depend on your overall income.
It’s important to note that if you remarry before the age of 60 (or age 50 if you are disabled), you will generally not be eligible for survivor benefits. However, if you are over the age of 60 (or age 50 if you are disabled) and remarry, you can still receive survivor benefits.
In conclusion, Social Security Survivor/Widow benefits can provide important financial support for those who have lost a spouse. If you are eligible for survivor benefits, it’s worth taking the time to understand how the program works and how it can help you maintain your financial stability during a very difficult time.
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What if you are both drawing on Social Security and the wife is actually getting a small sum off of her Husbands work history because the wife did not have enough points to draw off of her own record? What would she get if her husband dies? He gets almost 3 times of what she draws off social security and she depends on his Social Security as their main income …..
My husband passed I get his social security and pension will I get April's benitfits
Cut the camera angle crap. Notice you get stuck a lot. Because you talk like you’re spaZing out.
Very informative! I just subbed!
? Can you tell me I’m an 82
SS $1450 monthly. Wife 74
SS $950. ? Can my wife claim
any money from my SS
record while I am still living?
Thank you in advance
Please, is the lump sum of the SS death benefit…just $255, as I see on the internet? If it is so, is it worth it to run around collecting the required docs esp if the marriage certificate can only be collected from the country where the marriage took place? If the lump sum is simply #255… what are so many videos on the survivor's benefits? there must be something am missing. Please someone talk to me before I start sending money overseas to collect the marriage cert.
Locking in amounts is so wrong to me!!
I’m a Filipina married to an American Citizen. My deceased Husband did not include me & my younger son as his beneficiaries, he also claimed Single.
SSA is very vague towards survivors' benefits for non USA citizens. I'm marrying a Philippine woman who has never been to the USA, and we don't plan on living in the US. I'm retired collecting Social Security and have more than enough credits for survivors benefits.
If I pass away, can my noncitizen wife from the Philippines qualify for survivors' benefits? I have yet to find any information on SSA about this type of scenario.
My husband and I was both disabled he died 09 he was drawn over 1700 I draw widows pay from him. They took 400 away said I would get it back at 62 now they tell me I don’t get it I don’t understand.
I was already disable when my husband died was over 60. I got 50% of his social security and my disability. Do I still retire at age 66 + 2months and receive retirement money instead of disability mone?
Thank you so much for your information what if you were a stay-at-home wife with no work history
I got your cheat sheet, thank you. What does IRMAA stand for?
Want if you on ssi
I am not a US citizen, am I eligible for surviving spouse benefit?We have 2 minor kids
If you get benefit income and you also work. Does SSI go by your net income or gross income ?
Thank you for posting this helpful video
Hello. My husband was collecting Social Security disability at the time of his death. I am now 53 and working (my future benefit will be more than his). Can I collect a survivor benefit at 60?
Can I apply at 76 years old? I was 62 when my husband died. SSA said I couldn't get survivors benefits? I didn't understand why. My husband worked for years.
My husband passed away suddenly after contacting Covid 19 3 months after we got married after being together for 18 yrs why as me being a widow I can’t receive any of my husband benefits??
Thank you so much for the great information. My late husband passed away 2 years ago, at the age of only 48. He had worked pretty much constantly since the age of about 16. I am having some health issues and trying to figure out if I could collect enough disability. I have also been speaking with a lawyer that says they can go after a workman’s comp claim After I am done with any surgeries and recovery.
What about wife on disability and husband died. How do they decide how much wife will get
The thought of retirement makes me cry. My apologies to everyone who have retired/filing social security during this time after putting in all those years of work just to lose everything to a problem you weren't to blame for.it's especially difficult for people who are retired.
Thank you for your video, it is very well explained for the numbers.
If you please, to get widow benefits the survivor has to wait 60 and must have been married 10 years. So, what are the benefits for the 9 months that you mentioned at the beginning?
I have not collected any money from doc security my husband died 20 years ago should i be collecting we were married over 25 years
It's my understanding that because my husband filed at age 62 and if he were to pass that puts me at the 82.5% cap. Is his PIA the same amount as his FRA? I am seeing the 82.5% will happen between age 62 and 4 months up to 62 and 10 months for me as a survivor. How do I know when I reach the cap?
great help thank u very much
Does any of this change if you're a young widow? Im a widow at 32.
If mom was getting survivor benefits at 40 with dependent children How much Will she get (how Will it be calculated? Since she already withdrew benefits) after the Blackout period if she files @ 60? Will the benefit be recalculated & not the amount she was getting with the kids
What about when you file taxes separately from your spouse can u get widow benefit?
If the husband started the social security withdrawal at age 62 and only got 70% of the FRA amount, let’s say $1400/m. Then he passed away, how much his survival wife can get if the wife would claim the survivor benefit at her FRA? But if he started his withdrawal at age 70 at $2480/m, then how much his survival wife would get? Will the wife get what he got at the time he died? If this is the case, then it is $2480/m, right? Please clarify. And seems different YouTube speaker said differently for this .Thanks.
My husband passed in 2006. I have not remarried. Are they going to raise the age for survivor's benefits? I am going to need the benefits as i have been laid off. also wouldn't I be able to switch to my own SS at my FRA?
Hi host, can I ask something. What if the survivor leave outside the united state of America, then she received a payment 255$, my question is if the survivor can still receive any amount from USA?
If a person is at full retirement age and the spouse passes away, can the survivor draw their own full ss and half of the deceased spouse ss? Or do they have choose the one that draws the most?
Here is my question. I turn 61 in two months. I’m planning to take my Social Security @62. Can my wife draw 1/2 of my allowance even though she will be 57 years old?
How can I get my ex spouses SS? Do I get part of his retirement too. I am 71 and we were married 15 yrs
I am so confused. I heard that if the deceased ex-spouse collected benefits early at 62, then survivor benefits would be payable for 100% of amount he was collecting or 82.5% of his PIA as long as survivor is born after 1960 and 6 months. Are you aware if this? I think it's called RIB-LIM
I was told because I never remarried but my divorce only made it short of 10 years. 7 or 8 married because of beating had to get divorce. I was told it doesn't have to be 10 Year's he then married woman he was cheating on me . Now died last year. Can I draw his benfits
When my husband passed he was 76 and I was 57 and on disability. I researched this and from what research and was told I could collect widows benefits and I was my own disability I was drawing . So when the time came they said no in the meantime I remarried at almost 60 I married in April and turned 60 in July . I wasn’t aware of the 60 rule to marry. I am in Ca. Does this seem right. I was married 34 years
Im collecting mine at 62 .can I switch to his full amount if he dies at his full retirement age since it will be more ?
I just have received my first survivor benefits, i'am working at a sch 2hrs a day, and make about 13,000 a year, you said around 21,000, now can I make up to 21,000 a side my benefits or is it a combination of both. Thank You for all your help.
Excellent info the best and clear
I have two deceased spouses, both lasting more than ten years, can I claim on one of those survivor benefits and later switch to the other survivor benefit