Asked by catsontheplane  |  Submitted June 05, 2016

My wife has never worked in the U.S. and has no pension from her former jobs in another country. How much Social Security will she get when I die?

I am retired, and over 70 years of age.

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  Answers  |  4

June 05, 2016

Hi catsontheplane

We have many friends and clients that are in this category. Widows or widowers benefits based on age can start any time between age 60 and full retirement age as a survivor. If the benefits start at an earlier age, they are reduced a fraction of a percent for each month before full retirement age.

Here is a chart from Social Security

Feel free to contact us directly to discuss your situation in greater detail. No obligation

It’s not what you make; It’s what you keep that determines your lifestyle

$commenter.renderDisplayableName() | 05.23.17 @ 03:45

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June 05, 2016

Thanks Dave, but your response does not answer my question. Does she get the full amount of my benefit if she waits until full retirement age even though she never worked in the US or does she get a percentage of mine? The chart seems not to be completely on point.

I am a retired private financial advisor but never dealt with this.

$commenter.renderDisplayableName() | 05.23.17 @ 03:45

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June 05, 2016

This was cut off: At her full retirement age, your wife's benefit cannot exceed one-half of your full retirement amount.
Any other questions or clarification-just let us know. As a retired Financial Advisor living in Europe, I suspect you can navigate the SSA quite well.

$commenter.renderDisplayableName() | 05.23.17 @ 03:45

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June 05, 2016

Thank you very much. That is what I needed to know.

$commenter.renderDisplayableName() | 05.23.17 @ 03:45

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