Ask Larry

What Portion Of Our Spouse's Amount Will We Receive When One Of Us Dies?

Both my husband and I received full social security. In the event of one of our deaths, what portion of our spouses ss do we receive and do we continue to receive our full ss?

Hi. Based on your description, the surviving spouse would receive the higher of their two benefit rates. If the spouse with the lower benefit amount dies first, the surviving spouse will only receive their own higher benefit amount. In that event, the only survivor benefit that could be paid is the one-time death benefit of $255.

However, if the spouse with the higher benefit amount dies first, the surviving spouse will continue to get their own benefit plus a survivor benefit equal to the difference in their two benefit rates. The result would be that the surviving spouse would end up with a combined benefit equal to the higher spouse's full amount.

Best, Jerry

Posted: 
Apr 29 2022 - 3:53pm
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