Social Security disability on deceased husband's record at 56 - can I get benefit amount before decision?
I've got my consultative exam with the disability doctors scheduled for December. I'm applying for disability benefits based on my deceased husband's work record (I understand I'm eligible at 50, and I'm currently 56). My youngest son turns 18 in about a year and a half, at which point his survivor benefits will stop. What I'm trying to figure out is: can I call SSA and get them to tell me what my potential disability benefit amount would be if I'm approved? I really need to start planning financially for when my son's benefits end, and knowing what I might receive would help tremendously with budgeting. Has anyone had success getting this information before a final disability decision?
23 comments
Destiny Bryant
you can try calling but they probably wont tell you. i tried getting an estimate before my hearing and the lady just said they cant give numbers until its approved.
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Hattie Carson
•That's disappointing to hear. Did you eventually get approved? How long did your whole process take?
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Dyllan Nantx
You're applying for Disabled Widow's Benefits (DWB), which has different rules than regular SSDI. Since you're well past 50 (the minimum age for DWB), that's good. The benefit amount would be 71.5% of your husband's Primary Insurance Amount (PIA) because you're taking it before your Full Retirement Age. You can request an estimate by asking specifically for what your Disabled Widow's Benefit would be based on your deceased spouse's record. They should be able to provide this if you're clear about what you're asking for. Bring your husband's Social Security number when you call or visit. Also, make sure to gather strong medical evidence for your disability claim. The approval rates for DWB aren't great on first application.
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TillyCombatwarrior
•71.5%??? I thought widow benefits were 100% of the deceased's benefit! My neighbor gets her husband's full amount, or at least that's what she told me.
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Dyllan Nantx
•Regular widow's benefits at Full Retirement Age are 100% of the deceased's benefit. But Disabled Widow's Benefits taken before FRA are reduced. At 56, the reduction would make it about 71.5% of the full amount. Your neighbor is likely either at FRA or was quoting her husband's reduced benefit amount rather than what he would have received at his FRA.
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Anna Xian
When I applied for disability, I was SO FRUSTRATED trying to get anyone on the phone at SSA! I would wait for HOURS and either get disconnected or told to call back later. I ended up trying Claimyr (claimyr.com) after seeing someone mention it online. It's a service that waits on hold with Social Security and calls you when an agent is on the line. There's a video showing how it works: https://youtu.be/Z-BRbJw3puU The rep I got was actually helpful and gave me a rough estimate range of what my benefits would be if approved. She said they usually can't give exact amounts but could give me a ballpark figure. Might be worth trying!
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Jungleboo Soletrain
•That sounds too good to be true. SSA reps never give estimates in my experience. They just say wait for the letter. Maybe you got lucky with a nice rep.
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Anna Xian
•I think it depends on who you get and how you ask. I specifically said I was trying to plan financially and needed at least a range. She didn't give me an exact figure, just a $200 range of what it might be. Worth trying at least!
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Rajan Walker
you should check your my social security account online if you have one. sometimes it shows estimates there for different scenarios. not sure if it works for widow disability tho
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Hattie Carson
•Thanks - I just checked my online account but it only shows retirement estimates based on my own work record, nothing about widow's disability benefits.
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Nadia Zaldivar
I went through something similar when applying for disability on my husband's record after he passed. Here's what worked for me: 1. Go to your local SSA office in person (make an appointment first) 2. Bring your ID, your Social Security card, your marriage certificate, your husband's death certificate, and his SSN 3. Ask to speak with a Technical Expert or Claims Specialist, not just the front desk person 4. Specifically request a "Disabled Widow's Benefit estimate based on my deceased spouse's record" They can generate this for you. They might say it's just an estimate and could change, but you can get actual numbers this way. The phone representatives often don't have access to the same calculation tools as the in-office experts. Also, when your son turns 18, make sure he applies for student benefits if he'll be in high school or college - he can receive them until 19 if still in secondary education.
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Hattie Carson
•Thank you so much for this detailed advice! I'll definitely try visiting the office in person. Did you have to wait long for an appointment? I've heard horror stories about 2-3 month waits. I didn't know about the student benefits continuing until 19. That's really helpful - he will still be in high school when he turns 18, so that gives us a bit more time.
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Nadia Zaldivar
•When I called my local office directly for an appointment, the wait was about 3 weeks. Much better than the national appointment line. Try calling your specific office directly early in the morning. Ask for the "Technical Expert interview appointment specifically for benefit calculations" - using those exact words helps. And yes, definitely apply for the student benefits extension. You'll need to fill out form SSA-1372 and have his school complete part of it. Do this a couple months before he turns 18 to avoid any gap in payments.
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Destiny Bryant
My sister went thru this and they coudlnt tell her nothing till after approval. The disability process took like 2 YEARS for her!!!! So annoying! But she got backpay for all that time. Hope urs is faster
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Nadia Zaldivar
•Disabled Widow's Benefits typically process faster than regular disability claims if all the documentation is in order. The big difference is that DWB doesn't require the same 5-month waiting period that regular SSDI does. But yes, having all medical records organized and submitted upfront makes a huge difference in processing time.
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Jungleboo Soletrain
THE WHOLE SYSTEM IS DESIGNED TO KEEP YOU IN THE DARK!! I've been fighting with SSA for THREE YEARS trying to get my benefits sorted out after my husband died. They sent me FIVE different benefit amounts in letters, each one different! When I call, no one can explain ANYTHING! One rep says one thing, another says something completely different. It's MADDENING! And don't even get me started on their website - total garbage that never shows accurate information. I've given up trying to get straight answers from them and just take whatever they eventually decide to deposit in my account.
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TillyCombatwarrior
•OMG same!!! My mom went through this last year and she would cry after almost every call with them. So frustrating!!
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Nadia Zaldivar
One additional thing to be aware of - since you're applying for disability on your deceased husband's record, your benefit amount will be affected by whether he had started receiving Social Security benefits before his passing. If he had already filed for retirement or disability, your amount would be based on what he was receiving (including any reductions). If he hadn't filed yet, your benefit would be based on his Primary Insurance Amount at his full retirement age. This is something many widow applicants don't realize and it can make a significant difference in payment amounts. When you speak with SSA, be sure to clarify which calculation they're using.
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Hattie Carson
•That's really important information - thank you! My husband hadn't started receiving benefits when he passed away. He was still working. Does that mean they'll use the amount he would have received at his full retirement age, even though he never reached that age?
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Nadia Zaldivar
•Yes, that's correct. Since he was still working and hadn't filed for benefits, they will calculate his Primary Insurance Amount (PIA) based on his earnings record up to the point of his passing. This is the amount he would have received at his full retirement age. Your disabled widow's benefit would then be a percentage of that PIA based on your age when you begin receiving the benefits. Since you're 56, you'll receive approximately 71.5% of his PIA. This reduction is permanent, but taking it early as a disabled widow often makes financial sense rather than waiting until your full retirement age.
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Rajan Walker
my aunt just went thru this! if u get denied don't give up, she got denied first time then got a lawyer and won her case. her disability on her dead husbands record is like $2200/month i think
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Hattie Carson
•Thanks for the encouragement! Did your aunt have to pay the lawyer upfront or did they take a percentage of her backpay?
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Rajan Walker
•lawyer took like 25% of her backpay but only if she won. she said it was worth it cuz she got approved way faster with the lawyer
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