Can my father claim Social Security survivor benefits if he earned more than my late mother who was on SSDI?
My mother passed away last month after battling health issues for years. She worked for about 25 years in retail management before becoming disabled about 9 years ago and receiving SSDI until her death. My dad is 67 and already collecting his own retirement benefits based on his earnings as an electrician (his career earnings were definitely higher than Mom's). I'm trying to help him figure out if he's eligible for any survivor benefits based on Mom's record, or if he should just stick with his own benefits since he was the higher earner. The SSA website is confusing me with all these different rules. Has anyone navigated this situation before? Does it matter that she was on disability instead of regular retirement benefits when she passed?
17 comments
Dyllan Nantx
I'm sorry for your loss. Yes, your father can potentially claim survivor benefits, but whether he should depends on the benefit amounts. Even though your father was the higher earner, he should check with SSA because as a widower, he could receive up to 100% of your mother's SSDI benefit amount if it's higher than his current retirement benefit. If his benefit is already higher, then there's no advantage to switching. The fact that she was on SSDI rather than retirement doesn't matter for survivor benefits purposes - SSDI converts to retirement benefits at full retirement age anyway, though the amount stays the same.
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Destiny Bryant
•Thank you for the clear explanation. So he should just compare the dollar amounts then? His monthly benefit is around $2,450 and I think Mom's was about $1,850. Sounds like he should probably stay on his own benefit?
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TillyCombatwarrior
When my wife died she was on SSDI to. I went to social security office and they said i couldnt get anything cause my benefit was higher then hers. but they did give me a one time death benefit of $255 which is ridiculas small but better then nothing i guess
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Destiny Bryant
•Thanks for sharing your experience. That's helpful to know. I'll make sure my dad asks about that $255 payment at least.
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Anna Xian
Based on the numbers you shared in your reply ($2,450 vs $1,850), your father would not benefit from switching to survivor benefits since his own benefit is already higher. However, I strongly recommend he still contact SSA to verify this, as benefit calculations can be complex. Sometimes there are factors that might affect the final amount. One important note: He should inquire about the lump-sum death payment of $255 that SSA provides to surviving spouses. It's not much, but he's entitled to it. Also, make sure to notify SSA about your mother's passing if you haven't already - sometimes Medicare premiums continue to be deducted if they're not properly notified, which can cause complications later.
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Jungleboo Soletrain
•The death benefit is such a joke!! $255 hasn't changed since like the 1950s or something. Doesn't even cover a fraction of funeral costs nowadays. The government should really update that amount!
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Anna Xian
•You're absolutely right. The $255 death benefit has remained unchanged for decades and hasn't kept pace with inflation. It was more meaningful when it was established, but today it's barely symbolic. Unfortunately, Congress would need to act to increase it, and that hasn't been a priority.
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Rajan Walker
I went through something similar when my husband passed last year. Been SO frustrating dealing with SSA!!! I spent WEEKS trying to get through on their 800 number and kept getting disconnected or told the wait time was over 2 hours. I finally found this service called Claimyr (claimyr.com) that got me connected to an actual SSA agent in about 20 minutes. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU Once I talked to SSA, they told me I wasn't eligible for my husband's benefits since mine were higher (sounds like your dad's situation). But they did process that small death benefit payment for me at least. Good luck to your dad!
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Destiny Bryant
•Thank you for the tip about Claimyr. My dad has tried calling twice and gave up after being on hold forever. We'll check out that service - anything to avoid waiting for hours would be helpful right now.
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Nadia Zaldivar
•i used that claimyr thing too after seeing it mentioned here. it does work but seems weird to pay just to talk to the govt that we already pay taxes for? but whatever i guess its better than waiting all day
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Lukas Fitzgerald
Sorry about your mom. I think everyone here is right about your dad probably not getting survivor benefits if his own benefit is already higher. But there's one thing nobody mentioned - if your mom worked enough years under Social Security before going on disability, your dad MIGHT be eligible for a special minimum benefit in some very specific circumstances. It's rare but worth asking about. When my neighbor's wife died, he was shocked to learn there was a small additional amount he could get even though his benefit was higher. Something to do with her work history in a specific period. Every case is different with SS!
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Dyllan Nantx
•That's an interesting point about the special minimum benefit, though it's quite rare these days. What your neighbor might have encountered is either: 1) A recalculation based on the deceased spouse's earnings record that slightly increased his own benefit, or 2) A special provision applying to their specific situation. It's always good to have SSA review your specific case. Sometimes there are obscure rules that can work in your favor that aren't obvious from general guidance.
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TillyCombatwarrior
one more thing DONT FORGET to return the last check if SS deposited money for the month she died!! they will take it back later anyway and charge you interest or penalties. they did this to my brother and it was a huge mess cause he spent the money not realizing
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Destiny Bryant
•That's a really good point - thank you! I'll check with my dad about this right away. Mom passed on the 14th of last month, so I'm not sure how that works with partial months.
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Anna Xian
•For Social Security benefits (including SSDI), if the person passes away at any point during a month, they are NOT entitled to the payment for that month. So if your mother passed on the 14th, the payment received for that month would need to be returned. If benefits are directly deposited, SSA will usually attempt to reclaim the funds electronically. If they can't, they'll send a notice requesting repayment. As the previous commenter mentioned, it's best to be proactive about this to avoid complications.
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Nadia Zaldivar
so sorry about your mom :( my dad died last year and we had to deal with all this ss stuff too. really stressful time. we found out the funeral home actually reported his death to ssa for us, maybe yours did too? might wanna check
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Destiny Bryant
•Thank you. I'm sorry about your dad as well. That's a good point about the funeral home - I'll check if they reported it. We've been overwhelmed with everything and might have missed that detail.
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