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My mom will soon start taking her own benefit when she turns 62. When she turns 66 she will switch over to the widow benefit.
The problem is that for the next few years she will be earning over the ~$15,000 limit where they start reducing the SS payments. I understand that normally in this situation whatever amount you lose gets paid back eventually through a "recalculation" of the benefit at full retirement age.
But would the widow benefit be recalculated to account for the payments lost on her own benefit? If only her own benefit is recalculated, she will lose all that money because she won't be taking her own benefit after full retirement age.
Updated : November 14, 2012 by Guest
- Spouse's Best Age to Apply for Spousal Benefit
- Spouse's Insurance Benefit
- Disability Insurance Benefit Reduced for Age
- Amount of Retirement Insurance Benefit
- Spousal Benefits
- Percentage Deduction for Early Retirement
- How is the reduction amount computed?
- Basic Reduction Formulas
- Amount of Widow(er)'s Insurance Benefit
- Reduction of Benefit Rate
- Spousal Benefit
- Adjustment of Reduction Factor at FRA
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