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Question on Collecting Deceased Spouse's SS

How does that work? If your spouse dies, you can collect their social security, but for how long? Is it indefinite or only for a set number of years? And does the amount you get depend on how much your income is if you have a job? Do you not get the SS income if you have an income yourself?

And before anyone goes all nutty as to why I am asking thinking I'm only wanting to cause problems, it is because a friend's father died a couple of months ago. He was in his late 40's and his wife (her step-mom) is quitting her job saying she'll get more collecting his social security than working. She believes that this money will last until she dies probably in like another 30 years and has no intention of ever working again.

 
Anonymous

Asked by Anonymous at 4:22 PM on Jul. 13, 2011 in Money & Work

This question is closed.
Answers (6)
  • She cannot collect any SS right now. The pay out for death benefits is next to nothing and she won't qualify for SS checks until she reaches the SS payout age of 67 if she was born 1960 or later. And then, she may only qualify for 1/2 his benefits.
    twinsplus2more

    Answer by twinsplus2more at 4:28 PM on Jul. 13, 2011

  • musicmom08

    Answer by musicmom08 at 5:34 PM on Jul. 13, 2011

  • I think she is going to be really surprised and disappointed. She should keep her day job.
    meooma

    Answer by meooma at 6:00 PM on Jul. 13, 2011

  • The other posters are correct, UNLESS they have a minor child, in which case, the child will collect SS benefits until they are 18.
    kustomkrochet

    Answer by kustomkrochet at 6:08 PM on Jul. 13, 2011

  • The minor child will collect until 18, The parent of the minor child can also collect, as I recall only until the child turns 14. Then she is on her own until she turns 65 or whatever the rules are when she gets there. If she was working for minimum and he had a good salary it might be good for her to stay home with little kids, but unless he also left major life insurance or she remarries she will have to go back to work eventually. What is she doing about health insurance? I don't think this person has thought this all the way through.
    LoveMyDog

    Answer by LoveMyDog at 9:39 AM on Jul. 18, 2011

  • http://www.socialsecurity.gov/pubs/10085.html#care
    The age to collect for caring for a child is currently 16. And a child can continue to collect past his/her 18th birthday if he/she is still attending high school.
    LoveMyDog

    Answer by LoveMyDog at 9:45 AM on Jul. 18, 2011