Last week, I answered questions about Social Security widow’s benefits. But I ran out of column space before I ran out of questions to answer. So, this week, more questions and answers about widows. Last week’s questions were mostly from…
and answers about widows. Last week’s questions were mostly from women in their 70s and 80s. Today’s questions come from younger widows.
If you were not working, you would also technically be due a widow’s benefit. So, you could apply for mother’s benefits and get added to the beneficiary rolls. But right now, it wouldn’t make any sense because your family is already getting the maximum amount possible, or $5,040. Or to put that another way, if you were also getting benefits, your Social Security pie would just be split four ways instead of three.
The age 16 rule you heard about is the cutoff age for mother’s benefits. Or to put that more precisely, you are due mother’s benefits until your youngest child turns 16 . Q: I will be 60 next month, and I plan to retire then. My husband died about 10 years ago. What choices do I have with respect to my own Social Security benefits and my widow’s benefits?Basically, you’ll be able to employ the “widow’s option.” This is an option no other Social Security beneficiary has. Normally, a Social Security recipient cannot take reduced benefits on one account and then later switch to full benefits on another account. But a widow can do that.
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