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What Happens to Your Social Security Benefit When Your Spouse Dies?
The Motley Fool ^
| Trevor Jennewine
Posted on 03/10/2024 6:53:46 AM PDT by where's_the_Outrage?
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My wife is significantly younger than me and from my research it looks like if I pass she'll get zip from SS until over a decade later when she turns 60.
On the plus side that means I'm worth more to her alive than dead.
To: where's_the_Outrage?
You get nothing more if your benefits are already higher than hers.
2
posted on
03/10/2024 6:58:05 AM PDT
by
Bobbyvotes
(I will be voting for Trump/whoever in November. If he loses in 2024, country is finished.)
To: where's_the_Outrage?
The upshot is that married couples generally receive two revenue streams from Social Security. In some cases, that means two retired-worker benefits. In other cases, it means one retired-worker benefit and one spousal benefit. Regardless, when one spouse dies, one of those revenue streams disappears. But the surviving spouse can generally then receive the higher of the two payouts as the survivors benefit.
My wife is considerably younger than I am. Only marriage for both of us. We still have a minor child at home. My wife has always been a 100% home-maker. My understanding is that if I die, she gets a survivor benefit that is equivalent to SS until she is older.
In any event, I expect to put off drawing SS until 70, to maximize her benefit as she should long out live me, and my benefit is her benefit.
3
posted on
03/10/2024 7:00:43 AM PDT
by
Dr. Sivana
("If you can’t say something nice . . . say the Rosary." [Red Badger])
To: where's_the_Outrage?
You too? My wife is also a lot younger than me and as I am starting that slide towards eternity, I worry about what will happen with her.
Younger wives give up an awful lot by loving us older farts.
4
posted on
03/10/2024 7:03:35 AM PDT
by
Chainmail
(How do I feel about ignorance and apathy? I don't know and I don't care.)
To: where's_the_Outrage?
Social Security is the biggest Ponzi scheme on the face of the earth
To: Hyman Roth
What people fail to realize is that the taxes paid by individuals are not a savings account, but a fund to support current elderly people. I always am mystified by those who say, “I want what I put in.” lol. That’s gone to your parents and grandparents.
6
posted on
03/10/2024 7:22:18 AM PDT
by
napscoordinator
(DeSantis is a beast! Florida is the freest state in the country! )
To: Dr. Sivana
That's not my understanding, she has to wait until she's 60:
When a married person dies while receiving Social Security retirement benefits, the surviving spouse is eligible for survivors benefits if he or she satisfies certain conditions. The most common qualifications are as follows:
The surviving spouse must be at least 60 years old
To: Bobbyvotes
My wife has never worked in the USA so the only benefits she can get are mine. And from what I’ve read she won’t be eligible to get any of my SS benefits until she turns 60, and then it’s at 50%.
To: Bobbyvotes
Assuming my wife and Social Security outlive me, my wife’s benefit will nearly double.
9
posted on
03/10/2024 7:27:08 AM PDT
by
hardspunned
(Former DC GOP globalist stooge)
To: where's_the_Outrage?
Can they ten will it to someone else??
To: where's_the_Outrage?
When she hits 60, though, watch out!
11
posted on
03/10/2024 7:47:56 AM PDT
by
Fido969
To: where's_the_Outrage?
12
posted on
03/10/2024 7:51:33 AM PDT
by
sauropod
(Ne supra crepidam.)
To: Hyman Roth
FDR was a pig of a human being. Social Security appeals to the worst in humanity.
To: Sacajaweau
Can they then will it to someone else??
No, it is not an asset. One reason that it’s in the government’s best interest to have you die.
14
posted on
03/10/2024 7:59:30 AM PDT
by
drSteve78
(Je suis Deplorable. Even more so)
To: napscoordinator
Back in the ‘90s, the foreman where I worked retired, and on his last day he told us younger guys “ You guys keep working, my SS depends on it…”
Now I’m retired, and I’m saying that to younger people, lol.
15
posted on
03/10/2024 8:22:47 AM PDT
by
telescope115
(I NEED MY SPACE!!! 🔭)
To: hardspunned
And she will get benefits from your higher social security benefits even if you get divorced, if you were married for 10+ years (I am going by memory on this number).
16
posted on
03/10/2024 8:27:41 AM PDT
by
Bobbyvotes
(I will be voting for Trump/whoever in November. If he loses in 2024, country is finished.)
To: where's_the_Outrage?
It's simple.
17
posted on
03/10/2024 8:38:54 AM PDT
by
budj
( href)
To: Dr. Sivana
Your wife won’t get the benefit level that you got by deferring to age 70. They will scale it back to what would have been your benefit at your full retirement age (probably 67 for you).
18
posted on
03/10/2024 8:39:47 AM PDT
by
damper99
To: where's_the_Outrage?
ssa.gov
When a worker files for retirement benefits, the worker’s spouse may be eligible for a benefit based on the worker’s earnings. Another requirement is that the spouse must be at least age 62 or have a qualifying child in her/his care. By a qualifying child, we mean a child who is under age 16 or who receives Social Security disability benefits.
To: TexasGator
My wife and I are in our mid 70s and have been married 30 years. my SS benefit is higher than hers. So she gets my benefits and loses hers when I pass away?
20
posted on
03/10/2024 9:18:33 AM PDT
by
pawpawrick
(I had a life once but my job ate it)
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