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Will My Wife Receive My Higher Benefit If I Die Before Her?

Hi Larry, my question is My Wife and I are both 62 and disabled. My Wife worked for 40 years before becoming disabled and Me as well. And my question is if I die before my wife does what will she draw a month? My disabilty is more then hers is a month, so will she just draw mine because it’s more or what will she draw?

Hi,

I'm assuming from your description that both you and your wife are currently receiving Social Security disability (SSDI) benefits. In that case the answer is yes, as long as your wife is at least full retirement age (FRA) she would be eligible for the higher or her own benefit rate or your benefit rate in the event of your death. If you die before your wife reaches FRA her survivor rate would be temporarily reduced for age, but the reduction would be removed when she reaches FRA.

Best, Jerry

Posted: 
Jan 18 2020 - 3:21pm
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