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Social Security Survivor Benefits Explained 2022 - YouTube
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social security survivor benefits is a
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big
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mouthful to bite off so i generally just
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call it widow benefits because i'm
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typically talking to widows but it
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it goes both ways when i get into it a
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little deeper here two seconds
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for men and women widows and widowers so
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when they say
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survivor benefits that means somebody
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that qualifies for social security has
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passed away
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now to qualify for social security you
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have to have worked and paid into the
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system
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for a certain amount of time okay so
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then
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people that are eligible to get survivor
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benefits off of the deceased person i'm
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going gonna pretend like it's
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bob and he's over here bob died
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now his spouse is eligible to get
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survivor benefits
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widow benefits his ex-spouse
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so say mary
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they were married at least 10 years so
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she's also eligible to get survivor
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benefits off of bob passing
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and then if he has minor children
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they're able to get survivor benefits
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okay so these can all draw off of one
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worker
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and we call those social security
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survivor benefits so the most common
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question that i get and we get here at
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the medicare family is
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are you sure i can get benefits off my
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ex-spouse like
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we were only married 10 years ago and
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he's been married to his current wife
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for 30 years for 40 years so they just
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assume
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that that current wife has the standing
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that she's the one that could
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draw the benefit and the ex-wife who
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hasn't even talked to him
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in 30 years wouldn't be able to and
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that's wrong
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as long as you were married for at least
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10 full years
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don't call me when you were married nine
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and a half years
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ten full years okay look at the date on
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your divorce decree
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it's not when you got separated it's not
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when you filed for divorce
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when the divorce was final what is that
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date go look at your decree
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if you were married a full 10 years and
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he passes
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you were eligible to get a hundred
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percent
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of what he was drawing if he was already
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drawing social security
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okay so when we're talking about bob
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over here
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so bob took social security early and if
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you've watched our other videos here
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at the medicare family you know that you
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can elect to take your social security
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retirement benefit as early as 62.
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if you do you get less money than if you
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take it at your full retirement age
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so you can go into google right now and
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google your full retirement age put your
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birthday april 1st 1960
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and it'll tell you what your full
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retirement age if you take your
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retirement benefits
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before that you're going to get less so
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remember i said bob's over here and bob
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passed away bob took
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his retirement benefits at 62. so he got
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about 30
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less than if he would have waited till
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his full retirement age
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so the ex-spouse
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and his current spouse they can both get
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a hundred percent
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of what he was drawing you know because
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i just said what he was drawing was
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reduced because he took it early
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they both qualified to get 100 of what
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he was drawing so say he was getting
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um two thousand dollars a month okay
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they can
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both get two thousand dollars a month
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the one that's been married 30 years
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doesn't get more
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the ex-spouse doesn't get less they both
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qualify because they were both married
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to him for at least 10 years
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they're both not remarried and they can
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both get they're
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eligible to get a hundred
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percent of what he was drawing which was
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2 000. now
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they only get that full 100 this is the
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clicker this is where you got to zoom in
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and really
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focus on me i'll take my glasses off for
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emphasis
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you have to be these women both have to
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be
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am i looking dignified their full
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retirement age
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you have to be they have to be their
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full retirement age
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to get the full 100 so
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if the current spouse is only 62
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and you can draw the spousal benefits
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you can draw these
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these survivor benefits for spouses as
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early as
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60. if you're on social security
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disability you can get a
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50. i do more videos on this but let's
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just say
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the current wife she's been married long
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enough really she wants to be married a
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year if you're the current spouse
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she is over 60
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but she's not her full retirement age if
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she draws it at 62
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she's gonna get a lot less because she's
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not her full retirement age
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so she's eligible for two thousand
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dollars but she might only get
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fifteen hundred dollars because she's
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not her full retirement age
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now the ex-spouse they both qualify
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right
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she's already 68 she's passed her full
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retirement age
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so she's going to get the full 100
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she hasn't remarried she's passed her
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full retirement age
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there's no earnings limit which again
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there's other videos that'll go into the
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earnings limit
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so she's going to get the full 2000
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where this spouse might only get 1500
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because she wanted to take it
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early and once you start taking it
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you're locking that amount in
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forever that amount's never going to
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change so that's
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a nutshell five minutes of your life on
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widow survivor benefits
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if you found this video to be helpful
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please help me out and hit subscribe
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or hit the little bell icon i do one
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video every week on medicare social
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security
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va things that retirees need to know
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thank you for watching this video if
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there's something specific that you'd
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like a question on
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ask us in the comments and we'll get
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back to you let my family here at the
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medicare family
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help you with these very confusing
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questions
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