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Pension, SS and Death of Husband

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zerox

Junior Member
What is the name of your state? Arizona

My Neighbor just died this morning. The wife is afraid that she loses her husband's pension and Social Security benefits. What exactly happens? Will the benefits just continue to come in or will they be reduced? Does she need to notify someone about her surviving her husband.

There were no other marriages and she is in her seventies, they were married for nearly 50 years.

Thanks for any info.
 


pojo2

Senior Member
Depends on how the Pension benefits are set up. She may very well lose or have a reduced benefit and she needs to find this out.

The SS could very well be reduced as well depending on several factors.

Of course these people need to be notified of the death as her using the funds could end up in her owing thousands of dollars and it is also fraud.
 

LdiJ

Senior Member
zerox said:
What is the name of your state? Arizona

My Neighbor just died this morning. The wife is afraid that she loses her husband's pension and Social Security benefits. What exactly happens? Will the benefits just continue to come in or will they be reduced? Does she need to notify someone about her surviving her husband.

There were no other marriages and she is in her seventies, they were married for nearly 50 years.

Thanks for any info.
The pension depends entirely on how it was set up. She needs to consult with the people handling the pension. Sometimes pensions are for the life of the employee only, sometimes spouses can continue to recieve a benefit....sometimes that is an election that the employee makes. ie...1500.00 a month for the employees lifetime or 1200.00 a month for the lifetime of the employee and spouse.

Social security is different. Based on the length of their marriage she has a choice at this point. She can either recieve social security based on her earnings or based on her husband's earnings, whichever are higher.

Realistically though, one way or another her total income is going to drop. She is going to lose the lower of the two social security incomes....and she may also lose the pension.

Again, she needs to speak to the people handling the pension, and she also needs to go down to her local SSA office and talk to them.
 

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