Author Topic: Why Smart People Take Social Security at 62  (Read 2255 times)

Offline suzukig1

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Re: Why Smart People Take Social Security at 62
« Reply #15 on: February 15, 2018, 02:53:43 PM »
My former spouse was a US citizen, living in the US her entire life. She gets half the amount I receive monthly. My current wife, Filipino by birth, a Naturalized US citizen, having lived in the US since June 2000 will qualify for full survivor benefits upon my death... with proper notification, death certificate, SS records, etc, etc.
At least, that's my understanding. Hope I'm not wrong. Glo would kill me now for the insurance payoff instead  :D :D

Yes.  The way I wrote my statement was a little confusing (even to me as I had to re-read it a few times to make sure it was correct.)

A U.S. citizen is eligible for SS survivor benefits wherever they live.

A U.S. resident is eligible for SS survivor benefits.

A non U.S. citizen that is not a U.S. resident can only collect SS survivor benefits if they had lived in the U.S. for at least 5 years while married to the SS spouse. 

My wife is a PHL citizen who has not lived in the U.S.  She is not eligible for SS survivor benefits after I die if she lives outside of the U.S.  (If she subsequently becomes a U.S. resident or U.S. citizen she would be eligible for SS survivor benefits.)

Offline BudM

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Re: Why Smart People Take Social Security at 62
« Reply #16 on: February 15, 2018, 11:10:34 PM »
My wife has never even been to the US yet let alone lived there.  But, there is some kind of widow's visa which she could apply for within a couple of three years or something like that.  By that time, my boy will have long been an adult and there is a chance he will be in the US making some money there.  He might be willing to put up with her during her final years by having her take care of his kids and/or keeping house or something like that.  She probably should take time to learn to do more of that stuff though rather than have someone else do it all.  She does spend quite a bit of time with our boy though early in the morning and evening so she is not quite oblivious to taking care of a kid even though her other boy who is 26 was practically raised by one of her sisters as my wife was usually working two jobs during his earlier years.

I don't believe and I know she would not have to rely on our boy to survive but, if she stayed with him and took care of things it would probably be easier on her and keep her from getting bored since she would by then be retired from her business and would not have me to kick around.
Whatever floats your boat.


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