Survivor Benefits: RIB LIM or Widow's Cap! Former SSA insider EXPLAINS

😃💯Who is Dr. Ed?
Dr. Ed Weir, PhD, Former Social Security District Manager; Former Family Services Specialist, Department of Social Services; Former Marine Corps Sergeant; University Adjunct Professor. Dr. Ed is one of the most experienced government benefits experts in the country and in his (semi)retirement, he has made hundreds of YouTube videos in order to help seniors, the disabled, survivors, retirees, disabled children, spouses, and others in every state get the benefits they need!

⚠️I am not an attorney, tax advocate, or currently affiliated with the Social Security Administration or any other entity of the US Federal Government. My advice and opinions are based on my decades of experience inside the government. However, the Social Security Administration is the final decision maker when it comes to your benefits.

#socialsecurity #medicare #seniorcitizens#seniorcitizens

[WayShowers]

This is a pet peeve of mine. Considering that both spouses paid SS throughout their lives, the surviving spouse should, in my opinion, get the total of both spouses benefits. Let’s say they both paid $100K into SS, for a total of $200K they paid into the system. When one dies, the government takes the one benefit away. As a household, they paid into the system and are entitled to that money. It falls under the “What’s yours is mine” marriage law. I’m sure most people don’t even think about this but in my opinion, it isn’t fair. And I’m single, never been married.

[katrinagarland]

I have never heard anyone on YouTube discussing SSA Survivor Benefits bring up a crucial piece of information about Widows FRA being four (4) months less than a regular FRA. For those born after 1/1/1938 and before 1/2/1962, the widow's full retirement age (FRA) is 4 months earlier than the normal FRA. Please add this to your future videos. Thanks

[martyl]

I'm resentle became a widow and I'm only 58 and the SSS told me that I can't get any benefits until I'm at least 60 years old. But, If I wait until I'm 62 I can get more besides my SSS. I'm a new subscriber and I love watching all your informative videos. Keep up the amazing work buddy!❤

[sandienimocks]

I wish more people would listen to your podcast. They need to know what available out there.

[fionpica]

Thank you, Dr Weir, for your life changing information. Great presentation of complicated SSA policies and procedures.

[donbxman]

Wow! What a Great service you have provided the people! Thumbs up sarge! Hope we hear more from you!

[EYEISINALL]

Dr. Weir YOU ARE AWESOME MY FRIEND! THANK YOU FOR TAKING THE TIME TO HELP PEOPLE GET THIER PROPER BENNIFITS. ALSO THANK YOU FOR POINTING OUT ALL THE OTHER THINGS THAT ARE AVAILABLE. GODBLESS YOU BROTHER!

[Janeair....]

Thank goodness for Mr. Weir. The government for the establishment of themselves will ever inform the public on what is a right, and a necessity to enlighten those who have lost a loved one. Or are in need, not want SSA benefits. Again thank you Sir.

[judypeterson]

Your best video I've seen yet. You explained it with a scenario, which was helpful, and it was specific and detailed. Thank you

[BunE]

If I understand this correctly; I was a homemaker for 30 years of a 35 year marrage. I can't collect SS on my work history but can collect 50% of my ex's benefit amount provided I apply at my FRA. If my ex passes before me, I can collect his full benefit at his FRA. I don't know if he will begin collecting at his FRA or later, I don't think he'll ever retire. If he waits until he can collect 124%, I'm not sure if I'd get all of that if he passes but that would be a cherry on top. So not a big deal if it doesn't happen.

[frankrothizu]

Ed that information about the 82.5% of the PIA for the survivor is a real gold nugget of information, Thank you for the Christmas Gift !! Merry Christmas and best wishes for a healthy New Year with lots of laughter.

[jenniferhawkins]

What about the case where husband was disabled, (dialysis) then converted to Social Security at 65?

[alisaswisher]

Could someone PLEASE HELP! I believe that there is more money out there for me. My husband got hit by a car and passed away 2016 he was disabled for awhile before we met. Now I became disabled in 2015 . We have been married since 1999. I heard about this, but in 2015 I had horrible car accident and several surgeries which lead in too 2016 when he got killed. However, I do believe SS doesn't penalize the full amount retirement if disabled?? He would have been 66 today! He was born 1958 and I am now 55. Hope I didn't leave anything out! Thank you Alisa

[Mojaveever]

The 82.5% limit is age dependent, i.e., when a surviving spouse is eligible for 82.5%.

[scocpm]

Hi Dr. Weir I have a question
If I take my retirement benefit early at 64 and my monthly benefit is $2000 a month and my wife with no work history claims a spousal benefit early at 62 and say gets $800 a month and I pass away she will now receive survivor benefits. So, will she receive my $2, 000 and her $800 a month go away?
I would add that at my PIA would have been say $2600 month at FRA. Does she get $2000 or 82.5% of my FRA which ever is larger?
Thank you, Peter

[GlendaLoucks-vwfi]

Yes they should be able to collect both

[InLoveWithLove]

How often do people ask for a lump sum when collecting their benefits? Seems to me that may be a better idea than collecting small monthly installments that are nearly impossible to live on. They could invest some of that lump sum, potentially increasing returns...

[judigullett]

Why do they still tax our SS when we have already paid taxes on this money when we worked.?

[LeoRickman]

So I received social security but reduced due to county pension, husband received social security until his death. I applied for his social security was approved but then denied because I had a county pension. Does HR 82 change that for me, am I now entitled to his pension.

[debraharkins]

You didn't mention disability social security of spouse? Thankyou really enjoy your info