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Social Security Death/Retirement benefits - Lanny

Posted: Jul 10, 2010

My aunt is 63, still working, uncle 66, still working PT but receiving full SS benefits. He has recently been diagnosed with cancer. If he dies, and my aunt keeps working (she is working for the medical insurance), will she receive his death benefit, and will it be the same amout. She is worried about this, well in advance (we hope) and I just wanted to ease her mind a little. Thank you.

Best to call Social Security directly to get accurate information - Good Luck

[ In Reply To ..]

It is really complicated. Best thing to do is call Social Security and give them specifics as if you are asking for yourself. There are all sorts of "if you, then you" charts. Also, there is a maximum amount that any one person can receive.

The following may be of some help. But, I would really call them directly to get exact information.

http://www.ssa.gov/survivorplan/onyourown5.htm

http://www.ssa.gov/survivorchartred.htm

It is pretty simple, with spouses if one dies - sm - ECMT

[ In Reply To ..]
she/he will recieve a death benefit of a whole $255 (or around there, may be off but it is under $300). Then the surviving spouse will either continue to receive what they were receiving from SS or if the spouse had a larger benefit/monthly payment then would stop recieving their previous amount and recieve the larger amount the deceased spouse was getting. Now if she is not receiving SS as yet then I presume she would get nothing (but the death benefit) until she began to draw SS herself but again if his monthly payment was larger than what hers would be, she would automatically get his amount (not both), just the larger of the two. Obviously a call to SSA would be in order once your uncle dies to figure it all out, just get someone who knows what they are talking about, not all of them do. Generally men get a larger SS retirement payment as they work longer, make more money, etc. So odds are your aunt will get more than she would have gotten on her own. Though I think it reverts back to her amount if she re-marries.

Patty - patty

[ In Reply To ..]
Sorry about your uncle! I am 63 (retired at 62). My husband will be 66 next year and is still employed f.t. Should something happen to him, I will then get about 3/4 of his SS, but have to be 66 myself in order to receive health insurance.

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