|
|
Post by kluski on Nov 2, 2024 0:28:06 GMT
Long story…my mom was receiving a higher ss income than my dad. We thought he would assume that amount upon her death. However the ss rep told us bc he retired at 62 he is not eligible for her benefits bc had he waited until 65 his amount would have been higher. Has anyone been through this? Is it worth getting a lawyer? My dad cannot afford to live on his amount. They were barely cutting it with both benefits and his part time job in his 80s. He can’t work right now due to an injury so his income has been drastically reduced. Like lose his house can’t make it.
|
|
|
|
Post by mom on Nov 2, 2024 0:38:15 GMT
|
|
|
|
Post by katlady on Nov 2, 2024 0:42:09 GMT
I would talk to someone, maybe AARP has free services. Or check with a senior service type office. My understanding is that if both parties are at full retirement age, they get the larger amount as their benefit. If the surviving spouse is not full retirement age, they get the lesser amount. So I don’t know what happens now since your dad is in his 80’s. He may not have retired at 65; but he is over 65 now.
|
|
|
|
Post by buddysmom on Nov 2, 2024 0:50:57 GMT
I couldn't access the article even though I have a paid AARP account.
A quick google search AI response says-
If you retire from Social Security at age 62 and your spouse dies, you can receive survivor benefits as a surviving spouse, but the amount you receive will be reduced because you claimed benefits before your full retirement age; at full retirement age, you would be eligible for 100% of your deceased spouse's benefit amount.
I'm on an early retirement forum with a lot of very knowledgeable people. If you would like, I can paraphrase your question to them, (so it is harder to find here) and see what they say.
|
|
|
|
Post by kluski on Nov 2, 2024 0:56:44 GMT
I couldn't access the article even though I have a paid AARP account. A quick google search AI response says- If you retire from Social Security at age 62 and your spouse dies, you can receive survivor benefits as a surviving spouse, but the amount you receive will be reduced because you claimed benefits before your full retirement age; at full retirement age, you would be eligible for 100% of your deceased spouse's benefit amount. I'm on an early retirement forum with a lot of very knowledgeable people. If you would like, I can paraphrase your question to them, (so it is harder to find here) and see what they say. Please. Thank you. |
|
|
|
Post by kluski on Nov 2, 2024 0:57:54 GMT
I couldn't access the article even though I have a paid AARP account. A quick google search AI response says- If you retire from Social Security at age 62 and your spouse dies, you can receive survivor benefits as a surviving spouse, but the amount you receive will be reduced because you claimed benefits before your full retirement age; at full retirement age, you would be eligible for 100% of your deceased spouse's benefit amount. I'm on an early retirement forum with a lot of very knowledgeable people. If you would like, I can paraphrase your question to them, (so it is harder to find here) and see what they say. Thank you. Unfortunately, I don’t trust AI responses. They are very often wrong. |
|
|
|
Post by guzismom on Nov 2, 2024 1:29:17 GMT
I'm sorry, but your Dad is not going to get your Mom's full benefit because he retired before his full retirement age. I know this because I recently was asking the same questions for myself and was told so by an agent at my local Social Security office.
|
|
|
|
Post by don on Nov 2, 2024 1:39:48 GMT
I opted for SS at 62 and Berla got hers at 65. She earned about $1000 more than me. When she passed I got her full amount and lost mine. I was 83 at the time.
Never fight unless you have to, but if you have to, you fight like you are the third monkey on the ramp up to Noah’s Ark, and brother it’s starting to rain.
|
|
|
|
Post by buddysmom on Nov 4, 2024 23:18:42 GMT
This is a response I received on my other forum-- how much you get for survivor benefit depends on your age when you claim the survivor benefit. You can claim as early as age 60, but it will be a reduced amount. That reduction will be less for each you wait until you reach your full retirement age. Once you reach full retirement age you will receive 100% of the deceased spouse's benefit. Also referred to this info--hope the link works- www.ssa.gov/survivor/amount |
|
|
|
Post by simplysharon on Nov 5, 2024 0:00:16 GMT
I'm on an early retirement forum with a lot of very knowledgeable people. If you would like, I can paraphrase your question to them, (so it is harder to find here) and see what they say. Would you please share the name of the early retirement forum? We are always looking for good advice. Thanks! |
|
|
|
Post by peasapie on Nov 5, 2024 1:29:08 GMT
This is a response I received on my other forum-- how much you get for survivor benefit depends on your age when you claim the survivor benefit. You can claim as early as age 60, but it will be a reduced amount. That reduction will be less for each you wait until you reach your full retirement age. Once you reach full retirement age you will receive 100% of the deceased spouse's benefit. Also referred to this info--hope the link works- www.ssa.gov/survivor/amountWell that sounds hopeful. kluski, I hope your dad is able to receive your mom’s full benefit amount. don s response also seems to support that. |
|
