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« Social Security: Can I Collect A Spousal Benefit While I'm Still Employed? | Main | Transferring an Inheritance Out Of An Employer-Sponsored Retirement Plan »



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I will be 62 years old in December.My husband died in 2002 at age 54. I am working full time and earn about $60,000 a year.I was told I can collect 1/2 of my husband's benefit and continue working with no penalty. I was also told it is a benefit that not many people know and that Social Security won't tell you about unless you ask. Can you address this? Thank you

Lynn replies: You were misinformed! See my October 26 2009 post.

I am 79 years old and work full time still but I have already started receiving my own Social Security checks and have for quite a few years now. My husband passed away in 2000 at the age of 75 and I wanted to know if I am entitled to collect his Social Security. Please let me know about this.

Thank You

Lynn replies: Yes, you are entitled to a widow's benefit based on your late husband's record, and should call the Social Security Administration about it. Bear in mind, however, that you cannot collect both your own benefit and a widow's benefit. You'll get an amount which is equal to the larger of the two.

My husband and I divorced 4 years ago after 25 years of marriage. He passed away over a year ago. I am 51 years old and have not remarried. If I do not remarry am I entitled to his benefits and at what starting age?

Lynn replies: Yes, if you remain unmarried, you are entitled to a survivor's benefit based on your late former husband's work record. The earliest you can start collecting it is age 60.

Every site states that a divorced woman whose ex-husband has died, who was married for more than 10 years can get between 71.5 to 99% of his benefits. What determines the percentage rate? Thank you

I'm a widow but i'm 43 years of age. Can I collect?

I"m 66 years old and have been receiving my deceased husband's benefit for 6 years. Now SS tells me I can draw my own SS and receive about $300 a month more than I'm currently getting. However, if I wait 4 years until I'm 70, I'll receive $892 a month more. I calculate it will take me 23 months after 70 to break even. I feel like waiting, but my planner told me to take it now. I know each case is individual, but are my calculations correct? Thank you

I am a widow of four years now. I Will collect my husbands Social Security when I turn sixty in Janurary. I heard when I am sixty two I can also collect mine( which is less) on top of my deceased husbands. Is this true?

Lynn replies:

No. You can start collecting a widow's benefit at age 60; and you can start collecting your own benefit at 62. But you can never collect both at the same time. You'll receive the larger of the two amounts -- in this case, your widow's benefit.

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