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What Happens to Benefit Payments When Your Spouse is Deceased?

If Notch Reform legislation passes, whether a Lump-Sum or monthly benefit increases, what happens if a spouse born during the Notch years is already deceased?
-E.P., Linwood, NJ

Editor`s reply:
Notch Reform legislation generally treats benefits, whether Lump-Sum or monthly increases, like other Social Security benefits. Therefore, if you are receiving survivor`s or widow(er)`s benefits based on your deceased spouse`s Social Security account, or if you are eligible for survivor`s benefits, then you would be eligible to receive the Lump-Sum or increased monthly Notch Reform survivor`s benefits, if passed.

In order to be eligible for survivor`s benefits you must be a surviving spouse age 60 or older, or a surviving divorced spouse age 60 or older whose marriage lasted at least 10 years. (Other survivors may also be eligible.) If the benefit you receive now is lower than what you would receive in survivor benefits, then you would receive the higher of the two benefits. Remarriage may affect your entitlement to survivor`s benefits.

To collect survivor`s benefits you must apply. For more information contact Social Security toll free: 1-800-772-1213.


This article first appeared in Volume 6, Issue 4 of "The Social Security and Medicare Advisor" newsletter (March/2001).  To receive future editions of "The Advisor" in its special, free e-mail version, please click here.


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