Hi Devin. Thank you so much for this VLOG. My wife recently passed away and I applied for survivor’s benefit. When I go a call from the SSA about my claim, I got what I believe was bad information. I thought they were wrong but with what you taught us AND downloading the OIG report you referenced, I am confident I am right. I will be speaking to them again next week but am now armed with knowledge.
My wife died 2 days ago I'm so broken I don't even want to think about benefits but I have to because I need to get it done otherwise I'll forget about it
Great job in explaining the survivor benefits, easy to understand. Thanks for taking voluminous amounts of the SSA code reduced to a 12: 44-minute video.
I love your videos because you are, to me, very clear with your message. Thank you for your efforts in educating the public about Social Security benefits.
yes, they have many rules, i was surprised i could collect on him, also to get the surviving spouse check one must have been married to the deceased for 10 years...if they marry a second time the new wife can only collect if they too married 10 years...less than 10 years the second spouse gets nothing...
I have PTSD I was home and so was my 16 year old and 18 years old when we had to break through a bathroom door and listening to my husband during I had to make the 911 call myself he beans gone 16 years ago he killed himself and they r saying that my husband took his life to early by 7 years 1 month and 2 days to early for me to ever qualify and that I would never qualify for spouses benefits so sad from iowa
@@sapphirerings: The surviving spouse does qualify for benefits: While married at the time of death, and the marriage was greater than 8 months. Surviving widow/widower can claim reduced benefits at 60/disabled at 50/at any age if caring for minor/disabled dependents. Former spouses are only eligible to claim similar benefits if the marriage was 10 years or greater.
@@ltmundy1164 we were married 20years. i was badly burned almost 2 years ago by a fireball to back, arms legs, i was surprised when the lady in ss office told me i qualified...not a lot but it helps, they already had all the info, on file, i turned 65 in burn unit , so i needed change from ssdi to ss, i got lead poisoning from working in a battery factory...for 15 years...lead is an insidious poison, i have it in my bones, some tissues, we had 3 young daughters when he passed from pancreatic cancer, so i was kinda familiar with some of the rules, was 55 before i received ssdi, but i helped with the mothers checks, i worked until my body could no longer go, but the girls were adults then...very lucky the lead did not affect my legs, however the burns were bad, was in burn unit for over 2 months, went home with half healed wounds, just glad my middle daughter knew my past med history, the burn surgeons said the lead poisoning made my treatments and grafts diff from usual protocols...
Thank you for clarifying the survivors benefit! Guess I need an appointment with the Social Security office. When my Husband left for Heaven, my whole world changed. This video just showed me that my life will be easier soon. Thank you, thank you. P.S. - Love your info!
When your child graduate from high school , they take away the social security benefits, as a widower we should automatically get the Social Security benefits before 60 years , this is so messed up.. because the grovment don’t care how we are supposed to survive!!!
I am 51 years old my husband took his life and because he was not military then it is considered a foreseen death and so there for they told me I would never ever be able to get my widows benefits only military spouses are allowed to draw their spouses benefits even if their spouse took their own life due to the fact that social security says that a suicide of a miltary spouse is considered unforeseen death my husband been dead now for 16 years and I live how ever I can it really kinda sucks I feel it discrimination against non miltary wives but do not get me wrong I have the greatest respect for our military but social security sucks they also say that sucide is shameful so sad from iowa
You do get that survivors benefit before age 60 if you become disabled or in no way able to work no more because of health problem you will get that benefit check before age 60
I'm thinking of filing for widows benefits, I will be 60 soon...I am working and my question is do they adjust your income if I file in the middle of the year and made over the limit of 17,000. Do they start to calculate from the beginning of the year or when I file? And can I finish my year working and collect S.S as long as I stay under the limit?
Hi Devin, I've been receiving spousal benefits since age 60. I want to know will I be able to receive or change over to my full benefits at 66, if so how does this work?
Carrie Morgan yes you can switch to yours whoever is higher assuming yours is higher now that you waited but you are eligible for sure at 66 but I am waiting on 67 good luck
Hi Devin Carroll, I am new to your videos & yes, I subscribed. I am curious as to if either me(age 60) or my mom(age 77) would be eligible for Social Security survivor benefits from my dad. He died at age 87. She has been married before to someone else but my dad never remarried. She is currently a widow. I am his oldest child & I am on SSI. What are our chances of collecting those benefits?
Great video Devin, I always recommend your video's to everyone when the topic of social security comes up. I have one question about the widows limit, I took my social security at soon as I turned 62, I seen you video about when your birthday is not your birthday, this is a very strange rule, and I'm happy to say my birthday is on the first day of the month, so I was able to get paid for the month I actually turned 62, and since social security considered my birthday the last day of the previous mouth, I got a small increase for delaying a month, most people think I'm crazy when I tell them this. Back to the widows limit, since I took ss at 62, if I was to pass away, it looks like my younger wife that was born in 1965 could collect 82.5% of what I would have collected at full retirement age when she turns 62 and 7 months, would this be 82.5% of what my statement said I would get at full retirement age years ago, or would cola raises be added? Thanks.
My husband passed away in 2014. One day before his Birthday and five days before our 5th wedding anniversary I was told that I couldn't receive anything due to I made more money than my dead husband. Then I was told my by one of the SS worker told me that they should have given me at least 1/3 of what he was receiving but I did get anything.
Do you have a video on DAC on Dads records after he passes. I didnt hear you give info on Child in Care benefit for the disabled Adult if the surviving spouse is NOT disabled. Do they limit income also for parent in charge of the adult disabled child. I have gaurdianship.
Question: im FRA and collecting my full benefit and my Divorced spouse died also after his FRA but I do not know at what age or when he began to collect his SOC SEC benefit...is my divorced widow benefit calculated based solely upon the amount of benefit he was receiving at death regardless of whether he began reveivong benefits earlier than his FRÀ?
Hi, @ Devin Carroll I retired October 2021 and my husband passed in February 2015. He was disabled and received disability insurance. I retired at 59 and I'll turn 60 this year. I have an appt with SS in August. I managed to save some money before I retired. I want to know if this will affect me in qualifying for survivor's benefits?
So I was born in 1962 does that mean I have to wait 7 months to file for survivors benefits once I do turn 60? Another thing is my husband got benefits at age 62 does that mean I'll still get 82.5% ?
Kajun, sorry for your loss. Based upon your info: Your late husband was receiving 79.65% of his full age benefit. You're eligible to receive that amount or the 82.5% max of his full age benefit, whichever is greater, but no greater. And that amount is subject to survivor benefits reduction, dependent upon your age. Best scenario for you: Max claim @ 62 years 7 months. Refer to graphics @ 7:00/8:00/9:40.
Thanks for explaining for this,I am married also but when he die he is in a Washington DC..and I am here in my country in Philippines,never been there we applying before for visa but I denied.but anyway I get only his VA benefits...but I didn't get the social security benefits what I'm going to do ,I also I really want to go his bureal.
Hello, Thank you for posting this video. My question is: Can a disabled widow collect at 61 his/her survivor benefit if the deceased spouse was also disabled and PIA is lower? Would it be a disadvantage to file in this case?
Can u explain Railroad Retirement with spouse 32 yrs of service, age 62...born 9/1939...? He started RR collecting 2001 (Tier1/2 as he paid 6.2% into Soc Sec plus 4.2% into RR and made the 30 yr commitment. Then in 2018 deceased at age 79. Surviving spouse was also a working woman in different field, has 40 quarters as Drafter. But was only 59 at spouse death, she was not disabled & no minor child at the time. Should she also get estimate or do something with Social Security office..or just apply at RRB Railroad Board? They had a question about "PROTECTING THE SOC SEC OPTION" But how does one do this?
My question is my common law husband was died here in cebu, Philippines for 5 yrs and we have child can we claim of the benefits? How and where do we claim it?
Dear Deven, If my husband passed away at age 30 and we were married for over a year and had. Daughter together am I also eligible for benefits as his spouse ? I currently have been collecting on my daughter's behalf but wonder if I have been eligible all along as well? He passed at 30 and I was 27 at the time of an accidental death.
I was 22 going to vocational school Mother passed I was I'm Jeep rollover lost vision in right eye I had last rites and came back to wouldn't I qualify under my Father(Charles Perpich first Lt WWII Marine hero) only got Ssi in 2019 I been blind and disabled since 1984. I'm gonna go federal. James Lord was my Atty. But now I'm on my own any advice??
So if a couple files jointly with one working and the other receives social security and has retirement income, how will the stimulus be paid? One check to both or two individual checks. Thanks in advance.
A worker entitled to social security benefits under their own work and subject to the WEP reduction. Why would that same worker entitled to survivor benefits as a divorced widower, married after age 61 and after the death of the 2nd spouse, have to forfeit benefits of the 1st deceased spouse. The 1st spouse served 20 years active military, ten years on the military recall list after retirement, worked under the Federal Employment Retirement System for 16 years. He died at 55 years of age and never drew social security benefits. Why do the social security administration reduce my suvivor benefits under the GPO provision. There were no social security or other benefits due from the 2nd spouse.
I would like to ask you ? Is this spousal benefits something new ? Because I was looking at the date of the video and it the date on your video was made two years ago. I have been worrying about this. I just don't understand. please explain.Thanks
I am divorced and remarried. Can I take my current deceased husband’s benefits now and when my ex husband passes switch to his which will be much more?
At what age does a mother of a childs deceased fathers stop receiving the monthly check that is used to take care of this child if the child stays in school?
No they don't they just report they did their speeches they get their money and that's all they care about these I'm going to answer you are you serious he doesn't have time for you American people don't get it and we're nothing to these people we're not special at all we're only special to our loved ones in our families and sometime this can be questioned LOL
My husband took his life 3 months ago. I have talk to Social security Office I needed know at the time I would get any money till they told me. I am 63 9 months they said they had to figure out how much I get manual because I have SSI an Social security I didn't know until I washed your show that I would get very little. Could you tell me what I would get?, He had 40 Credits at age 37 I get 770 an 42 please let me know if I need an attorney. Thank you for your time
If I have the higher benefit and I retire at FRA but my spouse is 6 years younger and they retire before FRA when I pass will they get my full benefit or will it be forever reduced by the age they retire thanks
My sister is 60 a widow remarried but is now divorced her divorced husband is on SSI can she collect any benefits, also if so would her benefits be reduced by the amount that she is receiving from a structured settlement due to death of 1st husband.
I am disabled can I collect off my ex now?i am 62 ? I still work part time ! Had to go back to work after my divorce to make it! Plus soc sec does not have this info on file correct? I would have to contact them send in divorce papered decree etc ?
If you were married and disabled at that age you would be eligible to receive benefits. Im not sure how being divorced changes that. Call and make a phone appointment they will break it down for you. Good luck 🙏
Something I don’t think you addressed. My wife files on her own record at 62, I the older one and higher earner waits until 67. I die and my wife continues her benefit until 67 can she then file survivor benefit and get my full amount ?
My husband died two times i was marry and i did not receive survivor benefits because social security kept asking me for more information the information i had wasnt good enough
My wife currently is receiving SSDI (age50) I’m 51 what’s happens I die ? Does she continue to just receive HER SSDI I think her SSDI would be more than my SS amount. My is modest, I didn’t pay in that much- WEP and GPO effects it
I thought I was supposed to get 75 percent of my mother benefits since she dead but I don't because my dad still alive I get his social security to when he dies that what the social security people told me. Next year I get $1026 dollars of my dead mother survive benefits I was wondering is I'm getting all my benefits or not in what can I do about it.
If my husband dies before me, my income will drop to 35.7% of what we had when he was alive. I would receive 1823.00 out of 5103.00. I can’t impress on him and my adult son enough how dire it will be if we don’t get situated now. We are just starting to receive Social Security now
But me and the ex-husband is divorced and he has temporary custody of our 13-year-old son which receives SSI so my question is is the ex-husband entitled to Receive the retirement survivors money which is $80 $82
So my mother passed before collecting social security. What happens to all the money she put in the last 30 years and no she is not married and I'm her only child and I'm a grown man with no disability
Do you have time to email back and forth a little? I’m berry worried!!! I’m 40 my wife is 39. She was disabled her whole life but we got married at 22. She was thrown off for years & just ot it back 2 years ago. She’s getting bad with a few rare diseases. We have 2 kids. 1 is adopted both are considered disabled. Is there anything I can claim to help if she passes at such a young age?
SSA office told me when my husband passed that his benefits would go back to when he first started drawing in the 1990 s I am drawing SSDI. From my own SS. I am also raising his grandkids and tell me I can’t draw anything on his babies
If he received/had legal guardianship of his grandchildren. Or, possibly, if they are declared dependents on your/his annual joint tax filings. You could have standing to appeal: Show a history of ongoing care/support for school age minors. Challenge/dispute the ruling. Ask, the worst they can do is say: No.
I got disability, but only got it three months because my husband gets his SSI at 62, I will only get my disability until I am 62. Just do not understand SSI.
My husband worked for GM over 22 years and recently passed. GM says his pension is for me at age 55 and will be $244. per month. This doesn't seem right whatsoever. He made over 65k per year
If I get disability benefitand I decide to Bob for survivors benefits for my husband I never remarried will I get both checks my disability check and the survivor check for my husband
My husband passed away im still working makeing about 25,000 im52 , when i turn 60 his is the lower amount . do they reduce amount because im still working?Then can i collet myfull social at full retirement ?
I recieve "divorced widow benefits" at 60 its suppose to go up..he only collected disability for a year before his death....how do they calculate? ( i was disabled) he died at 63...
I'm 60 on SSI my ex wife passed away last year I'm I able to draw off her she was on SSDI not sure how long we was married any feedback would be appreciated
Help. I've been a widow since my 20s, never been remarried and my disabled child received benefits... I'm now 60. Can i apply for benefits now? It would really help me as I'm very ill ....
ally wolf I don't know what your FRA is, but maybe you should find out if you are eligible for SS disability, and if it would be best for you to apply for disability until you reach your FRA. Maybe it would not, but you should find out either way. Also, getting the numbers ( information) from the SSA is important- just don't ask them for financial advice. I'm lining up appointments for that with professional advisors, not help desk workers. 😉
I have a question on Children who were disabled before they are 21 . actually my child was 16 ,and diagnosed as schizophrenia . Was marred 23 yrs . before divorcing his father , We were a military family for most of the marriage . I was not eligible for any military benefits . but my child would be if he could get survivor benefits . it turned out he was not eligible because he got married at 19 . they were married less than a year and he spent the next 3 years in a mental hospital . and they never saw each other again , he is now 37. they are still married . of course being on SS and a income of under 800 a month . Thank you for taking the time at least to read my comment.
I am very confused. My mom just got approved for Survivor's yesterday. She just turned 60. My dad passed at age 73 in 2019 and he was retired. There's an X amount that she will begin to receive for January beginning February 2021. However, at the bottom, there's another dollar amount from April 2003 through December 2020. Does this mean she's getting a lump sum of the total amount from 04/2003 - 12/2020??? We are super confused as to where the second came from and what its for. Someone, please clarify. Thank you in advance 🙏!
Hello Devin, thank you for the great info. What about the survivors who are not American citizens. Are they eligible for those benefits? My husband is American but I'm Austrian citizen and he already drowns social security because he is 70 and we are married for 4 years. Hope you can give me to this more info. Thank you.
@@mima4392 You may be thinking of the 10 year requirement for divorced spouses. A surviving spouse must have been married for only 9 months to receive survivor benefits.
Yam Perelman Rector, if you qualify, you will get whatever benefit you have coming to you. If an ex spouse qualifies, she will get whatever benefit she has coming to her. They will not take from yours to pay the ex and vice versa.
My first husband of over 10 years passed away prior to filing for any SS benefits. I did marry once after this marriage and was married over 10 years. I have been divorced from the 2nd husband for over 20 years and have remained unmarried. I am a few years away from filing for SS benefits at the earliest eligibility age. I believe both husbands remarried and the 2nd husband is still living. My question is am I entitled to a survivor benefit from the first husband without jeopardizing the benefit the wife may receive? If so, am I to wait the age of 62 and 5 months before initially filing?
Brotha help me out my is widow of va veteran in the Philippines she did not get her stimulus check since last year and now ? Please help what info she should do ? Philippines based does my mother receives a pension but she never receive her stimulus ?? Please help
Reduced benefits (71.5% of FRA) at age 60. Maximum survivor's benefits accrues/caps at 62 yrs 7 months (82.5%) Subject to income limits of $17040/yr prior to your FRA eligibility/$45360 on the year of FRA. Refer 11:40.
My husband battled brain cancer in 2004 and he was 100 % disabled for 11 1/2 he collected his Social security until he passed away in 2015 at the age of 55. I will be 59 here soon so will I be able to collect the 82% of my husbands Social Security Survivors benefits when I turn 60 ? We were married 31 years and have no young kids. When I turn 60 and I start collecting my husbands Social Security Survivors benefits will I then be able to get married and still continue to collect the Social Security Survivors benefits or will I loose them if I get married? I heard if I get married before I turn 60 I will not be able to collect his Social Security Survivors benefits Thanks=)
What counts as income? What if I own rental properties or other investments, does this count as income and potentially lose my benefits? Also, what if I retire at 62 and file for social security, but choose to continue working. If the income limit is 17,040 but I make 30k that year, can I differ the difference into a 401k or 457 b to keep my benefits? Thanks for any insights.
@ Gene Ahearn if it was impossible to work after you retired, why would it say you can make 17,040 a year with no penalty to your SS benefits? Are you sure you know what your talking about haha.
I have been disabled since childhood, and have been living on social security from my parents since they died. Can I buy stocks without losing my social security and/or medicare?
I am 64 and just switched from SSI to my ex husbands survivors Benefits and I took a cut from 1001.00 to 970.00 I couldn’t survive before !!! I am so upset !!! Then they say that I can’t collect the retroactive of 5 months because I am 64 !!! They say that I have to be 66 !!! Can they do this ??? What happens if I try to go back to work ??? Don’t even know if I can handle it !!! What if I get a inheritance ? Can they cut my benefit or take it away ??? My mom just passed and I might be getting some kind of inheritance ??? Thank you !!!
I'm trying to understand this. I get disability and am a widower. I started getting disability at age 57 in May of this year and got 2 years back pay. My wife died in 2009 at the age of 43. Now my wife always made more money than me. Can or should have tried to file under her?
I would recommend you call the SSA and ask them this question. "What would my survivor benefit be from my deceased spouse [her name here]." In some cases, they do not look at marriages which ended before your eligibility for benefits. So, it may be that there is a higher benefit waiting for you. (This is why I do these videos!) One thing to consider, your SSDI benefit is your full retirement age benefit. If you file for a survivors benefit, it would be reduced due to your age. Alternatively, you could wait until your full retirement age and then file for the survivors benefit. Lot's of options here. Find a great financial planner who understands this if you'd like to figure this out.
@@DevinCarroll -- my mom tried for 3yrs to get my dad's ss survivor ben bc she was on ssi but kept tellin had to be 62!! I know this is NOT TRUE my mom passed jan Anyway i can still appeal for her? To get 3yrs of amount difference??
My husband collected ssdi and died at age 42. I haven’t remarried and I am age 62. Am I eligible for his full retirement amount if I wait to file at my full retirement age
Yes it is. The "deemed filing" rules do not apply to Survivor benefits. The SSA website says, "Deemed filing applies to retirement benefits, not to survivor’s benefits. So, if you are a widow or widower, you may start your survivor benefit independently of your retirement benefit if you restrict the scope of your application." You can find that at this link www.ssa.gov/planners/retire/claiming.html
I used the word "deemed filing" as if everyone knew what that was. Sorry! I hate jargon and there I go using it. Deemed filing means that when you file for one benefit, you automatically file for all benefits for which you are entitled. This eliminates the ability to switch around between benefits. But again...this does not apply to survivor benefits.
Hi Devin. Thank you so much for this VLOG. My wife recently passed away and I applied for survivor’s benefit. When I go a call from the SSA about my claim, I got what I believe was bad information. I thought they were wrong but with what you taught us AND downloading the OIG report you referenced, I am confident I am right. I will be speaking to them again next week but am now armed with knowledge.
My wife died 2 days ago I'm so broken I don't even want to think about benefits but I have to because I need to get it done otherwise I'll forget about it
Great job in explaining the survivor benefits, easy to understand. Thanks for taking voluminous amounts of the SSA code reduced to a 12: 44-minute video.
I love your videos because you are, to me, very clear with your message. Thank you for your efforts in educating the public about Social Security benefits.
Like your explanation but it's amazing the Social Security and politicians have made this SOOOOO difficult to really digest!!
yes, they have many rules, i was surprised i could collect on him, also to get the surviving spouse check one must have been married to the deceased for 10 years...if they marry a second time the new wife can only collect if they too married 10 years...less than 10 years the second spouse gets nothing...
And the foreigners noncitizens can come over and get the benefits with no problems at all.
I have PTSD I was home and so was my 16 year old and 18 years old when we had to break through a bathroom door and listening to my husband during I had to make the 911 call myself he beans gone 16 years ago he killed himself and they r saying that my husband took his life to early by 7 years 1 month and 2 days to early for me to ever qualify and that I would never qualify for spouses benefits so sad from iowa
@@sapphirerings: The surviving spouse does qualify for benefits: While married at the time of death, and the marriage was greater than 8 months. Surviving widow/widower can claim reduced benefits at 60/disabled at 50/at any age if caring for minor/disabled dependents. Former spouses are only eligible to claim similar benefits if the marriage was 10 years or greater.
@@ltmundy1164 we were married 20years. i was badly burned almost 2 years ago by a fireball to back, arms legs, i was surprised when the lady in ss office told me i qualified...not a lot but it helps, they already had all the info, on file, i turned 65 in burn unit , so i needed change from ssdi to ss, i got lead poisoning from working in a battery factory...for 15 years...lead is an insidious poison, i have it in my bones, some tissues, we had 3 young daughters when he passed from pancreatic cancer, so i was kinda familiar with some of the rules, was 55 before i received ssdi, but i helped with the mothers checks, i worked until my body could no longer go, but the girls were adults then...very lucky the lead did not affect my legs, however the burns were bad, was in burn unit for over 2 months, went home with half healed wounds, just glad my middle daughter knew my past med history, the burn surgeons said the lead poisoning made my treatments and grafts diff from usual protocols...
You are one bad ass dude, Devin Carroll ! 🙏🏼
Thank you for clarifying the survivors benefit! Guess I need an appointment with the Social Security office. When my Husband left for Heaven, my whole world changed. This video just showed me that my life will be easier soon. Thank you, thank you. P.S. - Love your info!
How long did it take for u to receive your additional benefits how much was or how long did it take
I feel your pain I lost my wife 2 days ago and it definitely hurts
Thank you for posting so much great info for spouses retirement. I’ll probably watch it a few more times before talking to Susa.
When your child graduate from high school , they take away the social security benefits, as a widower we should automatically get the Social Security benefits before 60 years , this is so messed up.. because the grovment don’t care how we are supposed to survive!!!
Im n agreement. We should receive it before 60 if theyre deceased
amen
I am 51 years old my husband took his life and because he was not military then it is considered a foreseen death and so there for they told me I would never ever be able to get my widows benefits only military spouses are allowed to draw their spouses benefits even if their spouse took their own life due to the fact that social security says that a suicide of a miltary spouse is considered unforeseen death my husband been dead now for 16 years and I live how ever I can it really kinda sucks I feel it discrimination against non miltary wives but do not get me wrong I have the greatest respect for our military but social security sucks they also say that sucide is shameful so sad from iowa
You could get a job. Crazy, I know.
You do get that survivors benefit before age 60 if you become disabled or in no way able to work no more because of health problem you will get that benefit check before age 60
I'm thinking of filing for widows benefits, I will be 60 soon...I am working and my question is do they adjust your income if I file in the middle of the year and made over the limit of 17,000. Do they start to calculate from the beginning of the year or when I file? And can I finish my year working and collect S.S as long as I stay under the limit?
Hi Devin, I've been receiving spousal benefits since age 60. I want to know will I be able to receive or change over to my full benefits at 66, if so how does this work?
Carrie Morgan yes you can switch to yours whoever is higher assuming yours is higher now that you waited but you are eligible for sure at 66 but I am waiting on 67 good luck
Hi Devin Carroll, I am new to your videos & yes, I subscribed. I am curious as to if either me(age 60) or my mom(age 77) would be eligible for Social Security survivor benefits from my dad. He died at age 87. She has been married before to someone else but my dad never remarried. She is currently a widow. I am his oldest child & I am on SSI. What are our chances of collecting those benefits?
Let me sum this up if your relying on SS income your screwed
Curly servicestate I will get my deceased husband social Security when I’m 60 I have two more years I’ll get partial..
Never am i waiting! Im only 50 n by the time im 60 it may not b any Social Security!!
I started drawing my husband when he died and I was 60, And I saved mine I'm 70 now and they said I would only get 16 dollors more if I drew mine now
Great video Devin, I always recommend your video's to everyone when the topic of social security comes up. I have one question about the widows limit, I took my social security at soon as I turned 62, I seen you video about when your birthday is not your birthday, this is a very strange rule, and I'm happy to say my birthday is on the first day of the month, so I was able to get paid for the month I actually turned 62, and since social security considered my birthday the last day of the previous mouth, I got a small increase for delaying a month, most people think I'm crazy when I tell them this. Back to the widows limit, since I took ss at 62, if I was to pass away, it looks like my younger wife that was born in 1965 could collect 82.5% of what I would have collected at full retirement age when she turns 62 and 7 months, would this be 82.5% of what my statement said I would get at full retirement age years ago, or would cola raises be added?
Thanks.
My husband passed away in 2014. One day before his Birthday and five days before our 5th wedding anniversary I was told that I couldn't receive anything due to I made more money than my dead husband.
Then I was told my by one of the SS worker told me that they should have given me at least 1/3 of what he was receiving but I did get anything.
you have had to been married 10 years to collect survivor ( widow ) benefits.
Do you have a video on DAC on Dads records after he passes. I didnt hear you give info on Child in Care benefit for the disabled Adult if the surviving spouse is NOT disabled. Do they limit income also for parent in charge of the adult disabled child. I have gaurdianship.
Question: im FRA and collecting my full benefit and my Divorced spouse died also after his FRA but I do not know at what age or when he began to collect his SOC SEC benefit...is my divorced widow benefit calculated based solely upon the amount of benefit he was receiving at death regardless of whether he began reveivong benefits earlier than his FRÀ?
Hi, @ Devin Carroll I retired October 2021 and my husband passed in February 2015. He was disabled and received disability insurance. I retired at 59 and I'll turn 60 this year. I have an appt with SS in August. I managed to save some money before I retired. I want to know if this will affect me in qualifying for survivor's benefits?
So I was born in 1962 does that mean I have to wait 7 months to file for survivors benefits once I do turn 60? Another thing is my husband got benefits at age 62 does that mean I'll still get 82.5% ?
Did you get an answer I'm disappointed no one ever responded
Kajun, sorry for your loss. Based upon your info: Your late husband was receiving 79.65% of his full age benefit. You're eligible to receive that amount or the 82.5% max of his full age benefit, whichever is greater, but no greater. And that amount is subject to survivor benefits reduction, dependent upon your age. Best scenario for you: Max claim @ 62 years 7 months. Refer to graphics @ 7:00/8:00/9:40.
Thanks for explaining for this,I am married also but when he die he is in a Washington DC..and I am here in my country in Philippines,never been there we applying before for visa but I denied.but anyway I get only his VA benefits...but I didn't get the social security benefits what I'm going to do ,I also I really want to go his bureal.
Hello, Thank you for posting this video. My question is: Can a disabled widow collect at 61 his/her survivor benefit if the deceased spouse was also disabled and PIA is lower? Would it be a disadvantage to file in this case?
The I know disable widow get the pension of the husband at the age of 50
Can u explain Railroad Retirement with spouse 32 yrs of service, age 62...born 9/1939...? He started RR collecting 2001 (Tier1/2 as he paid 6.2% into Soc Sec plus 4.2% into RR and made the 30 yr commitment. Then in 2018 deceased at age 79. Surviving spouse was also a working woman in different field, has 40 quarters as Drafter. But was only 59 at spouse death, she was not disabled & no minor child at the time. Should she also get estimate or do something with Social Security office..or just apply at RRB Railroad Board? They had a question about "PROTECTING THE SOC SEC OPTION" But how does one do this?
My question is my common law husband was died here in cebu, Philippines for 5 yrs and we have child can we claim of the benefits? How and where do we claim it?
Dear Deven, If my husband passed away at age 30 and we were married for over a year and had. Daughter together am I also eligible for benefits as his spouse ? I currently have been collecting on my daughter's behalf but wonder if I have been eligible all along as well? He passed at 30 and I was 27 at the time of an accidental death.
Great training!! I learned a lot!!
I was 22 going to vocational school
Mother passed I was I'm Jeep rollover lost vision in right eye I had last rites and came back to wouldn't I qualify under my Father(Charles Perpich first Lt WWII Marine hero) only got Ssi in 2019 I been blind and disabled since 1984. I'm gonna go federal. James Lord was my Atty. But now I'm on my own any advice??
So if a couple files jointly with one working and the other receives social security and has retirement income, how will the stimulus be paid?
One check to both or two individual checks.
Thanks in advance.
A worker entitled to social security benefits under their own work and subject to the WEP reduction. Why would that same worker entitled to survivor benefits as a divorced widower, married after age 61 and after the death of the 2nd spouse, have to forfeit benefits of the 1st deceased spouse. The 1st spouse served 20 years active military, ten years on the military recall list after retirement, worked under the Federal Employment Retirement System for 16 years. He died at 55 years of age and never drew social security benefits. Why do the social security administration reduce my suvivor benefits under the GPO provision. There were no social security or other benefits due from the 2nd spouse.
Does government pension offset affect survivors benefits?
I would like to ask you ? Is this spousal benefits something new ? Because I was looking at the date of the video and it the date on your video was made two years ago. I have been worrying about this. I just don't understand. please explain.Thanks
This video is about survivor benefits. Spousal benefit are different your both alive and married and those rules have changed.
Really a great video! Thank you!
Glad you liked it!
I am divorced and remarried. Can I take my current deceased husband’s benefits now and when my ex husband passes switch to his which will be much more?
At what age does a mother of a childs deceased fathers stop receiving the monthly check that is used to take care of this child if the child stays in school?
Thanks for the update
Why question is if I already get SSI and I'm 61 when I turn 62 can I file for retirement or whatever it is can I file for anything at 62
David is there a way I can contact you or you can contact me for personnel counseling. I have a unique situation that many Americans do not have.
Hi I don’t have my Ex death certificate. What should I do if I want to claim his ss ? Thank you
Devin can you help me with the spousal benefits I’m in to and don’t get nowhere with SSI I’m 59 my wife passed 41/2 months ago
What if the deceased claims early on the lower earners ss?
Does this guy even read these people's questions???? Hello anybody out there?????
No they don't they just report they did their speeches they get their money and that's all they care about these I'm going to answer you are you serious he doesn't have time for you American people don't get it and we're nothing to these people we're not special at all we're only special to our loved ones in our families and sometime this can be questioned LOL
Thank you, one question can i keep my spouse ssa even he died early Or not? he died September 14, and he will receive his ssa September 25.
Good video. God bless.
What to my retiring money of i not married
How about if the surviving spouse live in other country..she cant get also a benifits thank you..waiting for your reply
Thanks for your help.
What a system....its like I need to guess which hand the candy in.....lucky if u get it right
My husband took his life 3 months ago. I have talk to Social security Office I needed know at the time I would get any money till they told me. I am 63 9 months they said they had to figure out how much I get manual because I have SSI an Social security I didn't know until I washed your show that I would get very little. Could you tell me what I would get?, He had 40 Credits at age 37 I get 770 an 42 please let me know if I need an attorney. Thank you for your time
I was in employment support allowance support it’s change to social security benefit what does it mean
What form do I have to fill out for filing a benefit for my spouse and where do I have to file it to?
question my wife died a 1.5 years ago, and i just remarried again am i entitle for any survival benefits ? i did received 255.00 from SS.....
If I have the higher benefit and I retire at FRA but my spouse is 6 years younger and they retire before FRA when I pass will they get my full benefit or will it be forever reduced by the age they retire thanks
Reduced because of her age.
Thanks this video was helpful.
My sister is 60 a widow remarried but is now divorced her divorced husband is on SSI can she collect any benefits, also if so would her benefits be reduced by the amount that she is receiving from a structured settlement due to death of 1st husband.
I am disabled can I collect off my ex now?i am 62 ? I still work part time ! Had to go back to work after my divorce to make it! Plus soc sec does not have this info on file correct? I would have to contact them send in divorce papered decree etc ?
If I understand this you can only if your unmarried and caring for a child- 🤷♀️
If you were married and disabled at that age you would be eligible to receive benefits. Im not sure how being divorced changes that. Call and make a phone appointment they will break it down for you. Good luck 🙏
Something I don’t think you addressed. My wife files on her own record at 62, I the older one and higher earner waits until 67. I die and my wife continues her benefit until 67 can she then file survivor benefit and get my full amount ?
My husband died two times i was marry and i did not receive survivor benefits because social security kept asking me for more information the information i had wasnt good enough
My wife currently is receiving SSDI (age50) I’m 51 what’s happens I die ? Does she continue to just receive HER SSDI I think her SSDI would be more than my SS amount. My is modest, I didn’t pay in that much- WEP and GPO effects it
Most people don’t wait for their FRA, can you use the minimum age for calculations...thanks
I thought I was supposed to get 75 percent of my mother benefits since she dead but I don't because my dad still alive I get his social security to when he dies that what the social security people told me. Next year I get $1026 dollars of my dead mother survive benefits I was wondering is I'm getting all my benefits or not in what can I do about it.
Great video 👍
If my husband dies before me, my income will drop to 35.7% of what we had when he was alive. I would receive 1823.00 out of 5103.00. I can’t impress on him and my adult son enough how dire it will be if we don’t get situated now. We are just starting to receive Social Security now
But me and the ex-husband is divorced and he has temporary custody of our 13-year-old son which receives SSI so my question is is the ex-husband entitled to Receive the retirement survivors money which is $80 $82
So my mother passed before collecting social security. What happens to all the money she put in the last 30 years and no she is not married and I'm her only child and I'm a grown man with no disability
Do you have time to email back and forth a little? I’m berry worried!!! I’m 40 my wife is 39. She was disabled her whole life but we got married at 22. She was thrown off for years & just ot it back 2 years ago. She’s getting bad with a few rare diseases. We have 2 kids. 1 is adopted both are considered disabled. Is there anything I can claim to help if she passes at such a young age?
How can i claim the benifits of my husband im a filipina and can u pls help me what im going to do
SSA office told me when my husband passed that his benefits would go back to when he first started drawing in the 1990 s I am drawing SSDI. From my own SS. I am also raising his grandkids and tell me I can’t draw anything on his babies
If he received/had legal guardianship of his grandchildren. Or, possibly, if they are declared dependents on your/his annual joint tax filings. You could have standing to appeal: Show a history of ongoing care/support for school age minors. Challenge/dispute the ruling. Ask, the worst they can do is say: No.
Do I have to file for SS but not collect so my spouse can collect my full benefits? Age 67 both spouses.
I got disability, but only got it three months because my husband gets his SSI at 62, I will only get my disability until I am 62. Just do not understand SSI.
Why did the as a give my as a an 1/2 of my spouse when he died we wear both over our retirement age. He was my x spouse
My husband worked for GM over 22 years and recently passed. GM says his pension is for me at age 55 and will be $244. per month. This doesn't seem right whatsoever. He made over 65k per year
My husband died 15 years ago before he could finish 40 quarters, I have 35 quarters, so would I add up his quarters to receive survivor benefit at 62?
What if x spouse is receiving civil service? I was told I can not claim per ss unless x spouse dies
If I get disability benefitand I decide to Bob for survivors benefits for my husband I never remarried will I get both checks my disability check and the survivor check for my husband
Either/or. Not both. Tax considerations may come into play. Unlike SS, Disability/SSDI amounts are generally tax free.
I'm 49 I'll be 50 march can I file like tomorrow for my widows bennit since covid hardship
Husband had disability payment with offset of social security at age 42 till his death at age 69...how is that calculated???
My husband passed away im still working makeing about 25,000 im52 , when i turn 60 his is the lower amount . do they reduce amount because im still working?Then can i collet myfull social at full retirement ?
I recieve "divorced widow benefits" at 60 its suppose to go up..he only collected disability for a year before his death....how do they calculate? ( i was disabled) he died at 63...
I'm 60 on SSI my ex wife passed away last year I'm I able to draw off her she was on SSDI not sure how long we was married any feedback would be appreciated
Help. I've been a widow since my 20s, never been remarried and my disabled child received benefits...
I'm now 60. Can i apply for benefits now? It would really help me as I'm very ill ....
I think you should try.
Yes!
How old is your kid and how long they been disabled
ally wolf I don't know what your FRA is, but maybe you should find out if you are eligible for SS disability, and if it would be best for you to apply for disability until you reach your FRA. Maybe it would not, but you should find out either way. Also, getting the numbers ( information) from the SSA is important- just don't ask them for financial advice. I'm lining up appointments for that with professional advisors, not help desk workers. 😉
what started draw at 62 years old and 74 year now is any upgrade in how much money you will receive ?
no
I have a question on Children who were disabled before they are 21 . actually my child was 16 ,and diagnosed as schizophrenia . Was marred 23 yrs . before divorcing his father , We were a military family for most of the marriage . I was not eligible for any military benefits . but my child would be if he could get survivor benefits . it turned out he was not eligible because he got married at 19 . they were married less than a year and he spent the next 3 years in a mental hospital . and they never saw each other again , he is now 37. they are still married . of course being on SS and a income of under 800 a month . Thank you for taking the time at least to read my comment.
I am very confused. My mom just got approved for Survivor's yesterday. She just turned 60. My dad passed at age 73 in 2019 and he was retired. There's an X amount that she will begin to receive for January beginning February 2021. However, at the bottom, there's another dollar amount from April 2003 through December 2020. Does this mean she's getting a lump sum of the total amount from 04/2003 - 12/2020??? We are super confused as to where the second came from and what its for. Someone, please clarify. Thank you in advance 🙏!
Nobody explains what happens if the deceased dies before he even reaches his 60's? I have watched 4 different channels and this is never talked about?
Hello Devin, thank you for the great info. What about the survivors who are not American citizens. Are they eligible for those benefits? My husband is American but I'm Austrian citizen and he already drowns social security because he is 70 and we are married for 4 years. Hope you can give me to this more info. Thank you.
No must be married for 10 yrs.
@@mima4392 You may be thinking of the 10 year requirement for divorced spouses. A surviving spouse must have been married for only 9 months to receive survivor benefits.
Hello... My question is: if my husband died, as his survivor I will get the all benefit or his ex wife will get a part of it also?
Same question here.
depends on how long you were married and if you work and have children
Yam Perelman Rector you both get 100% of what you entitled to; subject to your age at claiming
Ok
Yam Perelman Rector, if you qualify, you will get whatever benefit you have coming to you. If an ex spouse qualifies, she will get whatever benefit she has coming to her. They will not take from yours to pay the ex and vice versa.
My first husband of over 10 years passed away prior to filing for any SS benefits. I did marry once after this marriage and was married over 10 years. I have been divorced from the 2nd husband for over 20 years and have remained unmarried. I am a few years away from filing for SS benefits at the earliest eligibility age. I believe both husbands remarried and the 2nd husband is still living. My question is am I entitled to a survivor benefit from the first husband without jeopardizing the benefit the wife may receive? If so, am I to wait the age of 62 and 5 months before initially filing?
Your decisions will not effect/impact either 1st's widow nor 2nd's current spouse. Survivor benefits claim on your 1st was lost when you remarried.
Can one collect unemployment and survivor benefits at the same time and receive both?
Brotha help me out my is widow of va veteran in the Philippines she did not get her stimulus check since last year and now ? Please help what info she should do ? Philippines based does my mother receives a pension but she never receive her stimulus ?? Please help
Thank you.
Can you file survival benefits while you still working?
Reduced benefits (71.5% of FRA) at age 60. Maximum survivor's benefits accrues/caps at 62 yrs 7 months (82.5%) Subject to income limits of $17040/yr prior to your FRA eligibility/$45360 on the year of FRA. Refer 11:40.
My husband battled brain cancer in 2004 and he was 100 % disabled for 11 1/2 he collected his Social security until he passed away in 2015 at the age of 55. I will be 59 here soon so will I be able to collect the 82% of my husbands Social Security Survivors benefits when I turn 60 ? We were married 31 years and have no young kids. When I turn 60 and I start collecting my husbands Social Security Survivors benefits will I then be able to get married and still continue to collect the Social Security Survivors benefits or will I loose them if I get married? I heard if I get married before I turn 60 I will not be able to collect his Social Security Survivors benefits Thanks=)
What counts as income? What if I own rental properties or other investments, does this count as income and potentially lose my benefits? Also, what if I retire at 62 and file for social security, but choose to continue working. If the income limit is 17,040 but I make 30k that year, can I differ the difference into a 401k or 457 b to keep my benefits? Thanks for any insights.
@ no it's not. Plenty of people retire and then get another job. Or start a business. Educate yourself.
@ Gene Ahearn if it was impossible to work after you retired, why would it say you can make 17,040 a year with no penalty to your SS benefits? Are you sure you know what your talking about haha.
@ your an idiot lol. Bye.
If I receive survivors benefits for my son, his dad died, will the amount change if I move states?
my dad passed today
@@roas1015 I'm so sorry for your loss.
Residence should have no bearing on the benefits you/your son receive.
Spouse died at 65 did not file for retirement has lower income than the surviving spouse. Can I file for a survivors benefit at 60?
I have been disabled since childhood, and have been living on social security from my parents since they died. Can I buy stocks without losing my social security and/or medicare?
Yes as long as it's ssdi and NOT ssi.
I am 64 and just switched from SSI to my ex husbands survivors Benefits and I took a cut from 1001.00 to 970.00 I couldn’t survive before !!! I am so upset !!! Then they say that I can’t collect the retroactive of 5 months because I am 64 !!! They say that I have to be 66 !!! Can they do this ??? What happens if I try to go back to work ??? Don’t even know if I can handle it !!! What if I get a inheritance ? Can they cut my benefit or take it away ??? My mom just passed and I might be getting some kind of inheritance ??? Thank you !!!
I'm trying to understand this. I get disability and am a widower. I started getting disability at age 57 in May of this year and got 2 years back pay. My wife died in 2009 at the age of 43. Now my wife always made more money than me. Can or should have tried to file under her?
I would recommend you call the SSA and ask them this question. "What would my survivor benefit be from my deceased spouse [her name here]." In some cases, they do not look at marriages which ended before your eligibility for benefits. So, it may be that there is a higher benefit waiting for you. (This is why I do these videos!)
One thing to consider, your SSDI benefit is your full retirement age benefit. If you file for a survivors benefit, it would be reduced due to your age. Alternatively, you could wait until your full retirement age and then file for the survivors benefit.
Lot's of options here. Find a great financial planner who understands this if you'd like to figure this out.
Thanks for your advice. I will give them a call.
@@DevinCarroll -- my mom tried for 3yrs to get my dad's ss survivor ben bc she was on ssi but kept tellin had to be 62!!
I know this is NOT TRUE
my mom passed jan
Anyway i can still appeal for her? To get 3yrs of amount difference??
Does DIC from VA count ???
My husband collected ssdi and died at age 42. I haven’t remarried and I am age 62. Am I eligible for his full retirement amount if I wait to file at my full retirement age
Yes
But what about taking your own benefits early, them switching to the survivors benefits? Is that possible?
Yes it is. The "deemed filing" rules do not apply to Survivor benefits. The SSA website says, "Deemed filing applies to retirement benefits, not to survivor’s benefits. So, if you are a widow or widower, you may start your survivor benefit independently of your retirement benefit if you restrict the scope of your application." You can find that at this link www.ssa.gov/planners/retire/claiming.html
I used the word "deemed filing" as if everyone knew what that was. Sorry! I hate jargon and there I go using it.
Deemed filing means that when you file for one benefit, you automatically file for all benefits for which you are entitled. This eliminates the ability to switch around between benefits. But again...this does not apply to survivor benefits.
@@DevinCarroll "you may start your survivor benefit independently of your retirement benefit".. Do income limits not apply to survivor benefits then?
sdesai1989 Yes. The income limits DO apply to survivir benefits.
@@DevinCarroll Thanks!