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Old 11-29-2011, 09:40 AM #5
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MelodyL MelodyL is offline
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MelodyL MelodyL is offline
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Join Date: Aug 2006
Posts: 8,292
15 yr Member
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Quote:
Originally Posted by Janke View Post
The maximum spousal benefit is 1/2 of the worker's benefit. So if the wife's PIA is $800 the most the husband can get is $400, but that is reduced by the amount he gets on his own. So the one who files has to make less than 1/2 of the other.

If the person with the higher benefit dies first, it is possible that the survivor's benefit (widow/widower) can be increased to equal what the deceased was getting. But not both.

50% in life; 100% in death. Assuming the spouse/widow is over full retirement age.
I'm sure I have more questions but I want to phrase them correctly. Probably just one more. Math was NEVER my strength.

And thanks very much for putting it plainly for me.

Melody
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