Advertisement
social security

Understanding Social Security Survivor Benefits

If two spouses receive Social Security, find out how much the surviving spouse gets if one of them dies.

My husband and I both receive Social Security. When one of us dies, does the other get any portion of that check, or does it stop completely?

It depends on who dies first and the size of his or her benefit. If your husband receives a larger benefit than you do and he dies first, you would step up to his larger benefit, but your own Social Security benefit would disappear.

Advertisement - Article continues below

As long as you are at least normal retirement age -- currently 66 -- at the time, your survivor benefit would equal 100% of what he received, even if your retirement benefit was reduced because you began collecting Social Security before your normal retirement age.

If you die first, your husband would continue to collect his own benefit, but your smaller benefit would disappear. Essentially, the surviving spouse gets to keep the larger of the two benefits, but not both.

Advertisement
Advertisement

Most Popular

What Trump's Payroll Tax Cut Will Mean for You
Tax Breaks

What Trump's Payroll Tax Cut Will Mean for You

President Trump issued an executive order to suspend the collection of Social Security payroll taxes. How much will it save you?
August 10, 2020
5 Tips to Minimize Your Taxes in Retirement
tax planning

5 Tips to Minimize Your Taxes in Retirement

Don’t pay more than you have to. It all starts with a thorough understanding of the basics of how retirement income is taxed.
August 2, 2020
10 Things to Know Before Going to the Hospital (from a Legal Perspective)
personal finance

10 Things to Know Before Going to the Hospital (from a Legal Perspective)

A trip to the ER can be chaotic and scary, but getting your ducks in a row now can definitely help.
August 11, 2020

Recommended

14 Social Security Tasks You Can Do Online
retirement

14 Social Security Tasks You Can Do Online

Why visit a government office to get your Social Security business done? You can do much of that online.
June 26, 2020
What Trump's Payroll Tax Cut Will Mean for You
Tax Breaks

What Trump's Payroll Tax Cut Will Mean for You

President Trump issued an executive order to suspend the collection of Social Security payroll taxes. How much will it save you?
August 10, 2020
Calculating Taxes on Social Security Benefits
social security

Calculating Taxes on Social Security Benefits

Uncle Sam can tax up to 85% of your Social Security benefits if you have other sources of income, such as earnings from work or withdrawals from tax-d…
August 4, 2020
Turning 60 in 2020? Expect Lower Social Security Benefits
Coronavirus and Your Money

Turning 60 in 2020? Expect Lower Social Security Benefits

When you file for Social Security, the amount you receive may be lower.
July 30, 2020