Can you collect deceased spouse social security and your own? This is a common question among individuals who have lost their spouse and are also eligible for their own social security benefits. Understanding the rules and regulations surrounding this topic is crucial to ensure that you receive the full benefits you are entitled to. In this article, we will explore the eligibility requirements, the process of claiming benefits, and the potential impact on your own social security benefits.
Eligibility for deceased spouse social security benefits is determined by several factors. First and foremost, you must have been legally married to your deceased spouse for at least nine months before their death. Additionally, you must be at least 60 years old, or have a disability that began before age 62. If you are currently married, you are not eligible for deceased spouse benefits.
When it comes to claiming deceased spouse social security benefits, you have two options. You can choose to receive the higher of the two benefits – either your own or your deceased spouse’s. This is known as the “primary insurance amount” (PIA). Alternatively, you can receive a spousal benefit based on your deceased spouse’s record, which is typically a percentage of their PIA. The percentage depends on your age at the time of your spouse’s death, with the full benefit available at age 66 (or age 67 for those born in 1960 or later).
It’s important to note that if you choose to receive the deceased spouse’s benefit, it will affect your own social security benefits. Your own benefit will be reduced by the amount of the deceased spouse’s benefit you receive. However, this reduction is only temporary. Once you reach full retirement age, your own benefit will be recalculated to ensure that you receive the full amount you are entitled to.
Another factor to consider is the possibility of survivor benefits for your children or other eligible family members. If your deceased spouse had children or other dependents, they may also be eligible for survivor benefits based on your deceased spouse’s social security record. This can help ensure that your family is financially supported in the event of your spouse’s passing.
In conclusion, you can indeed collect deceased spouse social security and your own, but it’s essential to understand the rules and regulations surrounding these benefits. By carefully considering your options and consulting with a social security expert, you can ensure that you and your family receive the full benefits you are entitled to. Remember to claim your benefits at the appropriate time to maximize your financial security.
