By Judy Benge
This column will answer some of your questions about eligibility for drawing widow's benefits. A divorced widow can be eligible for benefits on her deceased husband’s record if she meets the requirements set by law.
She must have been married to her deceased ex for at least 10 years. She must be at least age 60 or older. If she is disabled, she can draw benefits once she reaches age 50. The widow cannot be eligible for a larger benefit based on her own work and cannot be remarried if she is younger than age 60.
The remarriage of a widow who is at least age 60 will not affect her eligibility for benefits based on her deceased ex. Remember that a person can only draw a benefit that pays her the highest amount she is eligible to draw, regardless of which record it is based on.
For example, if the widow is 60 or older and has remarried, she may be eligible for a larger benefit based on the second husband or she may have worked and earned a larger benefit herself.
But, do not worry because Social Security will compare the benefits a widow is eligible to draw and determine which benefit will pay the higher amount.
A widow must file a benefit for benefits so that Social Security can start the process of determining eligibility. Representatives will help you through the process and advise you of the information you will need to provide. It is a very easy process because of the process developed by the Social Security Administration.
A widow can draw benefits regardless of her wealth. Social Security retirement benefits are not based on need. You — or your spouse — earn credits toward an eventual benefit and that benefit is paid even if you have millions in the bank.
Also, all of these same rules apply to widowers since Social Security laws pay widows and widowers equally.
Send your questions to judybenge@bellsouth.net.
