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Will My Wife's Survivor Benefits Be Reduced If Her Daughter Also Qualifies For Survivor Benefits?

Good morning Larry,
A very unique situation. My wife is drawing benefits from her deceased ex-husband record and her own. Her daughter in on SSDI and is in nursing care. Currently working through a filing to prove she was disabled prior to age 22. At which point she could draw benefits and back compensation on her deceased fathers record (same as deceased ex-husbands record above). If the daughter wins this case, will this reduce my wife's monthly benefit she receives from her ex-husbands record?

Hi,

It's possible. Whether or not your wife's survivor benefits would be reduced in the event of her daughter's entitlement to disabled adult child's (DAC) benefits depends on the family maximum benefit (FMB) rate on her ex-husband's record. However, if your wife is drawing at least some of her benefits on her own record then her daughter could likely qualify for DAC benefits on your wife's record if she's approved for DAC benefits on her father's record. In that event, your wife's FMB could be combined with her ex's FMB in order to create a higher FMB, which in turn would likely prevent your wife's survivor benefits from being reduced.

Best, Jerry

Posted: 
Apr 9 2018 - 10:01am
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