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 Carol Thomas has recently retired from the Social Security Administration after 28 years service. If you have any questions about Social Security, please ask. We will use the questions you send for future posts. I will never post anyone's name, or other identifiable information.
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| FAQ(s) found under Widow or Widowers Social Security Benefits |
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| Income Limit for Widow with Child |
Date Add : 09-24-2009
| Views : 126
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Dear Carol,
I am 51 years and work. I make 79,000.00 a year. My husband passed away last year and we have an 11 year old son. My son is receiving social security benefits as a child from my husband. Am I entitled to any benefits from my husband currently?
If I stop working will I receive benefits and if so how much? How can I calculate that? Is there a time limit as to when I can receive benefits after my husbands passing?
Sincerely,
Barbara
Support Replied ~ 08-16-2009 19:22:43
Dear Barbara:
The child will get benefits until he is 18 or out of HS, up to age 19. Mothers benefits stops at the child's 16th birthday. If you are earning what you are presently, no there would be nothing payable. The limit this year is $14160.00. Your benefit rate would be what your son is receiving. (Or very close to it).
Widows benefits starts at age 60. It is figured differently. It would be about 70% of your husbands check at full retirement age. It goes up by the month until it reaches 100%. Since you are working at a high salary, you could take widows any age up until age 70, and then take you're full amount. Re marriage after age 60 will not disqualify you from this advantage. (If you remarry before age 60, you don't receive the widow benefit). If you don't understand, write and I will call you....
Carol
Your Comment ~ 08-17-2009 09:02:26
Dear Carol,
Thank you so much for the quick response. The only item I did not understand was the following sentence:
Since you are working at a high salary, you could take widows any age up until age 70, and then take you're full amount.
Please explain.
Thank you,
Barbara
Support Replied ~ 08-17-2009 19:08:03
Dear Barbara;
Your high earnings could give you a higher benefit rate than what you would get on your husband. It is usually more beneficial to take the lower rate early and let the higher rate accumulate COLAs until age 70. Of course, if you continue to work at the rate you are now, you wouldn't be eligible until your FRA. So I was talking about the years from your FRA and age 70......If you are still confused, give me a call at
727-386-5104 Carol
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DISCLAIMER -
You should consult with your local Social Security Office before acting upon any information received as a response to your question on "Social Security Advisor".
"Social Security Advisor" is intended to provide accurate and authoritative information with regard to the subject matter covered. It is offered with the understanding that neither the publisher nor the author is engaged in rendering legal, accounting, investment or other professional advice or services.
Information obtained from RetirementCommunity.com, including e-mail responses from "Social Security Advisor" should be considered as general educational information. You must never rely upon the advice given here. Your individual situation may not fit the generalizations discussed. Only your local Social Security office can evaluate your individual situation and give you advice.
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