Social Security rules have eliminated “File and Suspend” or “Restricted Application” as a filing strategy for married people in 2015. For widows, the “Restricted Application” strategy still works as long as they have not remarried before 60. In this video, Tom and I discuss how two clients were recently helped and how they have been able to collect their benefits.
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Social Security is a government-run program that provides economic assistance to widows and widowers. When a spouse dies, the surviving spouse may be entitled to receive Social Security benefits. These benefits can be a significant source of financial support for widows and widowers who are left behind after the death of their spouse.
To qualify for Social Security benefits as a widow or widower, the spouse who died must have earned enough Social Security credits during his or her lifetime. The surviving spouse must also be at least 60 years old (or 50 if they are disabled), and they must not have remarried before the age of 60. If the widow or widower meets these requirements, they may be able to receive a monthly benefit payment that is based on the earnings of their deceased spouse.
For example, if the deceased spouse had been receiving Social Security benefits, the surviving spouse may be eligible to receive those same benefits. Alternatively, if the deceased spouse had not yet started collecting benefits, the surviving spouse may be able to receive a benefit based on that spouse’s earnings record. The amount of the benefit payment will vary depending on a number of factors, such as the length of the marriage and the age of the surviving spouse.
One important thing to note is that if the surviving spouse remarries before the age of 60, they will lose their eligibility to receive Social Security benefits based on their deceased spouse’s earnings record. However, if they remarry after the age of 60 (or 50 if disabled), they can still receive benefits. In some cases, the surviving spouse may also be eligible to receive benefits based on their own earnings record, which can help to supplement their income.
In addition to providing financial support to widows and widowers, Social Security also offers survivor benefits to the children of deceased workers. In some cases, the surviving spouse may also be eligible to receive benefits on behalf of their children. These benefits can help to ensure that the family is able to maintain a steady source of income after the loss of a parent or spouse.
In conclusion, Social Security is an important program that provides economic assistance to widows and widowers. By offering monthly benefit payments based on the earnings of the deceased spouse, Social Security can help to alleviate some of the financial strain that comes with the loss of a loved one. If you are a widow or widower, it is important to know your options and to take advantage of the resources available to you through Social Security.
He died at age 68, I am about to turn 60. We married for 20years. He worked for over 30yrs…how much am I roughly looking at in cash? If its just $255 lump am seeing on the internet, I don't think I should spend so much money running around looking for the needed docs.
My husband passed so suddenly from Covid 19 3 months after we got married so SS told me that I wasn’t entitled to any widow benefits why is that??
Me and my husband recently just got married after 18 years unfortunately my husband passed 3months after we got married so social security told my that I wasn’t entitled to any widow benefits from my husband I wonder why is that ??
My father died,and my mother is her beneficiary how can she apply for my father's survivor beneficiary of we are not living in United States?
My husband died in Dec 26 2012 we were married for 14 years and they told me could get his social security claimed I made more money than him. Then they told told me to come back and see if I could get my widow pay they said no I couldn't never receive nothing. I was 65 but now I. Am getting my own social security but it not right if you married for tens or more you should could get widow pay now I'm 70 I call again about widow pay they said no. Help why people get it and I can't
I have difficulty understanding the reasoning behind taking away some of the Social Security benefits because they remarry. It causes so many people to not remarry and live a life of loneliness or live with someone who is not their husband. Why would the government want people to live in sin?
My father just got murdered … how do i help my mother with this topic?
Thank you for the video. I do have a question . My 1st husband died in 1995 we were married for 20years. I remarried at age 48 and have been married now for 23 years. I am now 71 and my husband is 81. We both started collecting our social security when we were 62. I have been told that I could collect from my 1st husbands social security, we never had children so all these years it has never been collected on. I do realize if my now husband dies before me I would have a choice of which to draw on, but can still draw on 1st husband while married to second. Can you clarify any of this for me. Thank you
Now I'm 60.
Because they said he didn't have any quarter s .My income was higher than his. I stayed single never got married again . I am just really frustrated
My husband passed,,, 1994. I became disabled at 50.Soc sec Denied benefits
Is there anyway that you can get your widow's pension and you're only 57
If the widow had been on disability can she stop disability and then refile on husband benefit ? Instead of disability and spousal income ?
I can't figure out how a Dad on social security can collect social security on his minor daughter? It doesn't seem right or legal to me.
They VA would not give me my husband's from 1994. They declined saying my money made quarters all quarter s and he didn't have any. Said my money is more than his. I became disabled at 50 yrs old..
61 1/2 and had to turn down my husbands (37 years) social security. He passed Oct 2022. I'm still working at a job with an hourly wage. I make too much money according to Social Security. I can't pay our bills.He had multiple health issues and we have no more savings or property.They told me it wasn't my "benefit" because of my age. What they said I could get was only 8 months a year and I would have to claim it as income on top of my wages. I would be in arrears to the IRS at the beginning of each year. I will be homeless in about 3 weeks. Moving into my daughters apartment till I can figure it out. My husband and I both worked since we were 14. I'm glad he passed thinking I would be taken care of.
I am receiving $ 5 a month more than my husband’s SS retirement. When he passed I was not awarded his SS RETIREMENT. I complained about it.They said I m receiving more money than the deceased. Just $ 5 a month more than him I got denied? That is SS rules and regulations.
I was married for 25 years my husband passed away 8 years later I got sick and was put on disability everybody was telling me I should be receiving widow benefits so I called social security and explained to them they said I would of had to become disabled within 7 years of his death to receive it and I will have to wait till I'm 60 to apply for it I'm 59no big deal but I've talked to alot of people that has said they received the benefit and they weren't even disabled so I don't know or understand it
Okay my husband passed away in 2019 how do I go about claiming his disability every time is social security naked me a runaround
Thank you.
As I listen … I'm wondering if I could My Wife's SSI … Though I'm not 62 Years Old ….. My Wife would have been 66 here in 2023
Hi
I am 63 and I was going to take my ss at 64 this summer. My husband passed 8 years ago . He made more then I did so I was going to switch at full retirement
Why whichever is higher when applying for survivor's benefit when you are paying contributions also. What happenned to the contributions of the survivor.
My sister lost her husband back in 2005 and she's not collecting anything and she's trying to make ends meet it's sad because now her house is going and she's working to support her house and she has not received any stimulus checks because she owes the federal government
They don't tell the people Notting.
My x husband died 08 2020..ss started paying me 404 becuz he remarried and i was receiving 1197…becuz he has a wife he was married to her about 4 yrs and we were married 25 yrs..but ss said thata all he could get even tho hes been working since he was 15….he was born 12 23 65 i was born 9 29 58..he remarried and then died 08 2020….am i receiving the right amount
K ive been on disability since 2005 my ex husband divorced me in 2009 we've been married since 1980 and separated in 2000 he remarried and passed away 5-6 years into his marriage so i was told i coild collect survivors benefits which i am right now because of my disability so how does his SS work for me to collect which i was told when im 64 i believe thats what i was told and that id have to drop either SSDI or Survivors?
I have a general question. How do I contact someone about ss for my self? I'm currently receiving ssdi from my ex husband. I'll be 66 in February. I started drawing my ex, which is decased at the age of 60. Can I wait and draw on my own at the age of 70?
We need to change the rules to allow widows and widowers of a deceased spouse to continue collecting their deceased spouses full monthly benefits added to their own. Why because the surviving spouse are still facing the same high rent or house payments and lose their home rental and end up homeless? I’m winder if our House and Senate do not have members of the Nazi Party considering their attitude toward retired seniors and our disabled?
I have a friend who just lost her husband and knows nothing on this subject or even realized she had benefit options because she was a housewife raising the kids. Can you work with someone in Hawaii? Also Medicare info?
Hello I find this interested. I was on SSI since 1998. My husband passed away in 2017. After a year-and-a-half I advise contacted to get my husband's social security. Which was only around $65 more. Now I will return in 62 in June. What is better for me today. My social security is low in money. What should I do? As I was offered to work part-time as a companion for elderly people in your home . I don't want to lose my widow benefits. Even though I am disabled being a companion two elderly people. Would I get my SSI back.and still work part-time? Since I did not get his benefits right after His death. So I never knew I could collect on my husband's social security. An ex-wife did not want no parts of it. then my mother-in-law after 18 months of his death told me to go file far as benefits should I get back benefits. Retro retro social security benefits.
Thanks for this video great info!
My question is what about when you lose both parents and say one person is disabled collecting benefits and your father retirement was going to your mother and she's passed away so who will get anything of your parents
I am a 70 year old woman who lives on 807 survivor benefits and 317 SSI..I don't know if I worked long enough to get my own social security.. Right now I get my deceased husband's Social security and $317. For disability for me..Is their a way to increase my income because I am 70 now?
What happen when you get a ssi check and your husband dies and he 2as get a ssi small checkof 446 and a small a social security check of 308 and I'm get 914:what will I get if I took the window would it hurt me or would it help me
Why SS and SSI cannot remary?
My late husband died in 2003 married for 15 years I was told I couldn’t get because I was not
Yet 55 years I married hem in 1988 is there any chance I can go back and get it
I am widow and you took my husbands soc. Sec. asap. Left me in povity. Also never got a cola in over 10 years.
I am widow and you took my husbands soc. Sec. asap. Left me in povity. Also never got a cola in over 10 years.