Non-Tax Questions and Comments
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S.S. Survivor's Benefit
Posted by: jrchatfield, October 28, 2013 04:11AM
Let's say that the higher earning spouse (age 66) plans not to take S.S. benefits until age 70. If he dies, will his spouse (same age) get 100% of the amount he is, or would have been, receiving when dies? Or is her amount limited to 100% of what his benefit was at FRA, even though he delayed his benefit past FRA? (His spouse began her benefit at her FRA.)

Re: S.S. Survivor's Benefit
Posted by: Drewremedy, November 4, 2013 07:04PM
I'm not sure how that math works but I sure would double check my math as to reversing out the current SS and have him file and suspend and she files to collect 1/2 his amount now and not collect hers just yet and see how those options lay out on paper---no fancy discounted cash flows necessary ---I laid out several options on grapph paper --better choice all but jumped off the paper .

Yes, IRS allows you to reverse out SS---

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