Ask Larry

Will My Current Wife And My Ex-Wife Both Receive 100% Of My Benefit Amount When I Die?

Larry, I’m 69 drawing social security, and remarried. I was married to my first wife for 16 yrs, she hasn’t remarried. I’ve been married to my current wife for 29 yrs. Both are in their 60s. My question: Upon my death, will both my first wife and my current wife receive 100% of my current social security monthly benefit?
Thank you,
Mark

Hi Mark. Well, that's certainly possible. If your ex-wife does end up collecting survivor benefits from your account it wouldn't have any adverse effect on your current wife's potential widow's benefits. Nor, vice versa. But, in order for your wife and/or ex-wife to qualify for 100% of your benefit amount they'd need to be at least full retirement age (FRA) when they claim survivor benefits, and they couldn't be eligible for a higher benefit rate on their own account. Surviving spouses can't be paid any more than the higher of their own benefit rate or their survivor benefit rate.

Best, Jerry

Posted: 
May 16 2022 - 2:27pm
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