Ask Larry

If My First Husband Is Deceased And My Second Husband Is Retired, Can I Collect From Both?

If been married twice and your first husband died in the past but you're remarried for awhile ago, and he has retired can I collect from both

Hi. You can't collect more than one full Social Security benefit at a time, so if you are eligible for both a widow's benefit and a spousal benefit then you couldn't be paid both benefits in full for the same month(s). If you apply for both widow's benefits and spousal benefits, you can only be paid the higher of the two benefit rates.

You can't qualify for benefits on a prior deceased spouse's account unless you are either a) unmarried, or b) you are currently married but your remarriage occurred at age 60 or later, or c) you are disabled and remarried, and your remarriage occurred at age 50 or later.

There aren't enough details in your question for me to be able to offer you any specific advice, but the entitlement requirements for widow's benefits and spousal benefits are outline in the following sections of Social Security's handbook: https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0401.html & https://www.ssa.gov/OP_Home/handbook/handbook.03/handbook-0305.html.

It sounds like you may want to strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully analyze all of your options so that you can determine your best strategy for maximizing your benefits.

Best, Jerry

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Posted: 
Mar 5 2022 - 11:45am
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