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It is a difficult time for the surviving spouse when a spouse dies. Not only are they grieving the loss of their loved one, but they may also be facing financial challenges. Social Security survivor benefits can help to ease the financial burden, but it’s important to understand the rules before applying. The Senior Security Alliance looks to delve into this topic with this post.

Understanding the Survivor Benefit Rules and the Earnings Test

One of the most important rules to understand is the earnings test. The earnings test limits your benefit while collecting early Social Security benefits. If you earn above the earnings threshold, the Social Security Administration will lower your check by $1 for every $2 you earn over the annual limit.

The earnings test applies to both widower benefits and surviving spouse benefits. However, there is a difference in how the earnings test is used for each type of benefit. Widower benefits are only subject to the earnings test if you are under full retirement age (FRA). On the other hand, surviving spouse benefits are subject to the earnings test even if you are over your FRA.

You may still be eligible for a surviving spouse benefit, however, you can’t collect a widower benefit due to full-time employment.

Suppose you are a surviving spouse or widower considering applying for Social Security benefits. In that case, it’s important to understand the survivor benefit rules and the earnings test, along with your rights. You can contact your local Social Security office for more information.

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