Widow's SSDI and Survivor Benefits Eligibility

Quick question regarding SSDI: I have a client whose husband died a few months ago. He was age 59 and she is 60, and they were both collecting SSDI benefits. The SS office called her and told her she’s eligible for an increased benefit based on her deceased husband’s record. Is this correct or is there anything I’m missing?

Your client is indeed eligible for a widow's benefit at age 60. Social Security rules allow a surviving spouse to claim a survivor benefit as early as age 60, albeit at a reduced rate due to early claiming. Since her deceased husband's SSDI benefit is higher than her current SSDI, she would be eligible to receive the larger benefit based on his record.

However, there are a few important considerations. If she begins taking the widow's benefit at age 60, her benefit amount will be reduced because she is claiming before her Full Retirement Age (FRA). The reduction for widow’s benefits taken at age 60 is 28.5% of the full benefit amount. This means she won't receive the full amount that would be available if she waited until her FRA.

It's also crucial to understand that while she will switch to receiving the widow's benefit, she will remain technically entitled to her own SSDI benefits. This is significant because it ensures that she maintains her Medicare entitlement, which is tied to her SSDI status. Medicare eligibility is vital for individuals who are disabled, and this continued entitlement ensures that she will not lose access to healthcare benefits.

In summary, while your client can increase her monthly benefits by switching to the widow's benefit, it's essential to weigh the reduced amount against her long-term financial needs. Consulting with a Social Security expert or financial advisor may help her make the most informed decision.

The content on this blog is for informational purposes only and is not legal, financial, or professional advice. Social Security rules change periodically, so some information may become outdated. For the most accurate advice, consult a certified National Social Security Advisor (NSSA®). Social Security Professionals, LLC, and NSSA® are not responsible for any errors, omissions, or actions taken based on this blog's content. Use of this blog does not create a client relationship, and all information is provided "as is" without guarantees. By using this blog, you agree to hold Social Security Professionals, LLC, and NSSA® harmless from any claims or liabilities arising from its content. For personalized guidance, contact an NSSA® professional.