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My husband died suddenly last year — can I now collect his Social Security and my own at the same time?
My husband died suddenly last year — can I now collect his Social Security and my own at the same time?

Yahoo

time4 days ago

  • Business
  • Yahoo

My husband died suddenly last year — can I now collect his Social Security and my own at the same time?

Janice's husband died suddenly last year after having a stroke. The couple were a few years away from retirement. Janice, 62, was waiting to claim Social Security at 65 when she'd also be eligible for Medicare benefits. Her late husband made more money over the course of his career, so he would have received a bigger Social Security retirement benefit. Now she's wondering if she can collect both his retirement benefit and her own at the same time, or if that would cause problems. Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's how I'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 6 of the easiest ways you can catch up (and fast) Nervous about the stock market in 2025? Find out how you can access this $1B private real estate fund (with as little as $10) The short answer is no. Here's a more detailed look at what Social Security benefits you are entitled to after your spouse dies. Social Security provides a variety of benefits: retirement, survivors and disability. Retirement benefits include both retired-worker benefits and spousal benefits. A married couple who are of retirement age are eligible for two checks from the Social Security Administration (SSA): either two retired-worker benefits if both partners worked, or one retired-worker benefit and one spousal benefit for the spouse who doesn't have a retired-worker benefit. Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says — and that 'anyone' can do it A spousal benefit can be as much as 50% of a retired worker's primary insurance amount. If their working spouse passes away, the spousal benefit is converted into a survivors benefit. If you're a surviving spouse, like Janice, you can claim either your retired-worker benefit or your late spouse's, but not both. Similarly, you can claim either a retirement benefit or a survivors benefit, but not both. You'll receive whichever is higher, but not the total of two benefits added together. According to The National Academy of Social Insurance, this may substantially lower a surviving spouse's income. That's because they're only receiving one monthly Social Security benefit instead of enjoying the combined household income of two benefits — which they could have collected as long as their spouse was alive. The amount Janice will receive is based on her late husband's work record and whether he reached full retirement age, which typically falls between 66 and 67 years of age. You can claim your retirement benefit as early as 62, but your benefits will be reduced by a small percentage each month before full retirement age. After reaching your full retirement age, you'll get a monthly bump in your check until you reach age 70. If a surviving spouse is already getting benefits based on their own work record, they should contact the SSA to find out if they can get more money from collecting survivor benefits. About 5.8 million Americans received Social Security survivors benefits in May, including widows and widowers, with an average monthly survivors benefit of roughly $1,566.66, according to the Social Security Administration. You may be eligible for survivors benefits if you're the spouse, ex-spouse or child of someone who worked and paid Social Security taxes before they died. To be eligible, you must be 60 or older. Or, you must be 50 or older if you have a disability that occurred within seven years of your spouse's death. In some cases, age doesn't matter. If you care for children from the marriage who have a disability or are under 16, you can also apply for survivor benefits regardless of age. Another factor is your current marital status. If you remarry before the age of 60 (or 50 if you have a disability), you'll no longer be eligible for survivors benefits. But remarrying after age 60 won't impact your eligibility. Since Janice isn't ready to retire, she can keep working while she receives a survivors benefit prior to reaching her full retirement age, but her benefit could be reduced if she goes over her earnings limit, which for 2025 is $23,400. Other family members could also qualify for survivors benefits, including ex-spouses and dependent children. If several members qualify for benefits, you'll need to keep the family maximum benefit in mind, since exceeding that limit will reduce benefit payments. If your spouse passes away, you should contact the SSA right away. You'll receive a $255 lump sum death payment, but you can also discuss your options. For example, you could start with survivors benefits and then switch to your retired-worker benefit at age 70, when that payment is highest. But if you're already receiving your late spouse's retirement benefit, you can't apply for a survivors benefit unless the amount will be higher than your current benefit. There are a lot of factors to consider, so it could be worth sitting down with a financial advisor to crunch the numbers. Rich, young Americans are ditching the stormy stock market — here are the alternative assets they're banking on instead Robert Kiyosaki warns of a 'Greater Depression' coming to the US — with millions of Americans going poor. But he says these 2 'easy-money' assets will bring in 'great wealth'. How to get in now This tiny hot Costco item has skyrocketed 74% in price in under 2 years — but now the retail giant is restricting purchases. Here's how to buy the coveted asset in bulk Here are 5 'must have' items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you? Like what you read? Join 200,000+ readers and get the best of Moneywise straight to your inbox every week. This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

Celebrate Father's Day With Friends!
Celebrate Father's Day With Friends!

Fox News

time5 days ago

  • Entertainment
  • Fox News

Celebrate Father's Day With Friends!

Today, we're celebrating dads and father figures in all forms. Co-Host of FOX & Friends Steve Doocy joins Janice to share laughs, memories and his journey as a proud dad and granddad! With a new 3-day workweek, Steve's soaking up more quality time with his family and loving every minute of it. He's a shining example of fatherhood and reminds us all to take time and enjoy life with the people you love. Learn more about your ad choices. Visit

‘He truly lived every moment' – Michael Gaine remembered as ‘caring' and ‘proud Kerry man' at his funeral mass
‘He truly lived every moment' – Michael Gaine remembered as ‘caring' and ‘proud Kerry man' at his funeral mass

Irish Independent

time07-06-2025

  • General
  • Irish Independent

‘He truly lived every moment' – Michael Gaine remembered as ‘caring' and ‘proud Kerry man' at his funeral mass

In a moving eulogy by his cousin, Eoghan Clarke, at his Funeral Mass today, Mr Gaine was remembered as man who had varied interests with a wide-circle of friends and who always was on hand to help others. "Mike meant so much to so many people.' Mr Clarke recalled Mike's passion for rallying, farming, current affairs, holidays, Done Deal and all music, even Opera. 'As we all know, Michael was generous. He was incredibly generous. He had time for everyone and would chip in to help any time, any place to help anyone,' he said. 'Michael seemed to find the time to do the work of three men on his own farm, help out friends, family and neighbours, keep up to speed on current affairs and enjoy himself. 'He always made the most of it and he truly lived every single moment. Whether you met him during lambing or while on a trip away to a car show or rally event, he always had that iconic twinkle in his eye – the 'I'm delighted to see you', 'I'm in great form', 'let's go and enjoy ourselves' twinkle in his eye that he was well-known for' The congregation was told how Mike always had an interest in people and made people feel at ease. "Janice [his wife] described Michael as someone that zoned on someone's personality when he spoke to them and that he would zone in on their own interests. That genuine interest that he had in others allowed him to have friends of all ages and backgrounds.' Mr Clarke said what always amazed him about Mike was his 'ability to put in a full day's shift on the farm and then to chat about politics and world events or economic developments while being fully up to speed on all of them.' The congregation was told that he would be up at 4am to hoover up news from various sources. The love story of Janice and Mike was also shared at his Funeral Mass and the wonderful relationship the pair had. They met in Riversdale one New Year's Eve. ADVERTISEMENT Learn more Janice had come from Jakarta to visit her parents in Kerry and Mr Gaine 'looking dapper' plucked up the courage to speak to her. He told her he was heading to Australia soon and invited her for dinner. In the intervening years Michael 'kept telecom Eireann in business feeding coins into a phone box in Kenmare just to speak to Janice in Indonesia and Taiwan.' "Michael and Janice truly had a beautiful relationship. It struck me how loving Michael was with Janice and they spent quality time together. They enjoyed one another's company from simple trips to cinema, trying new restaurants, walks in the national park and holidays abroad,' he said 'Soft and loving, Caring and affectionate. Kind and considerate. He was not afraid to show his emotions. He was also brave, fearless and strong,' he said summing up the kind of man Mike was to his wife Janice and sister Catherine and Noreen and to all those in his life. His cousin asked to live life as Mike would have by enjoying life with fun-loving glint, spending time with loved ones and helping others Fr George Hayes in his homily to the packed church said that Kenmare was a place of enchanting beauty where the community live an peaceful and idyllic existence but into this 'something terrible has come' to the area. "We are discommoded and feel at loss. Over these weeks since Mike went missing we have asked to many questions and in life sometimes there are no answers,' he said. He said Mike funeral was about recovering Mike's dignity and not the manner of his death. "Here in this place today, we recover Mike's dignity. We will speak Mike's name with love.' Fr Hayes urged the congregation not to give into hatred. "Today our challenge as believers of Jesus Christ is not to give into the toxic. Lets not give into to hatred and go from here today and in Michael's name let's resolve to do good. Let's strive for justice and fairness.' Several poignant mementos of Mike's life were brought to the alter including several photos including one of Mike on his his faithful cavalier dog Teddy. This was presented by friend DJ O'Neil. Teddy was a huge part of Janice and Mike's life. Mike loved all animals but his pet dog was a central part of his life. Vince O'Shea brought up a photo of Mike and Janice on holidays They travelled the world together visiting places like Fiji and Cook islands and New Zealand and Australia Edwards Gibbons brought up of Mike and Janice's wedding and nephew Jamie O'Regan presented a photo of Mike's family including parents Jimmy and Sheila and his sisters Noreen and Catherine. Donie McCarthy presented a CD Mike's love of music his varied tastes included American Folk Group Mamas and Papas and Fleetwood Mac and what he loved most was the Aida Opera by Verdi David Doran brought up an image of St Michael the Archangel who is said to spiritual warrior in the the battle of good versus evil and there wasn't an evil bone in his body His brother-in-law Sean O'Regan brought a photo of Mike and his rally car and Shane McCarthy brought Mike's rally helmet to the alter. And after the poignant Funeral Mass Mike's ashes were placed in that very car for a final lap around his home town.

Mike Gaine: Pat Spillane and Danny Healy-Ray among hundreds of mourners ahead of farmer's funeral
Mike Gaine: Pat Spillane and Danny Healy-Ray among hundreds of mourners ahead of farmer's funeral

Irish Independent

time06-06-2025

  • Automotive
  • Irish Independent

Mike Gaine: Pat Spillane and Danny Healy-Ray among hundreds of mourners ahead of farmer's funeral

Mr Gaine was cremated earlier this week, with his ashes reposing between 2pm and 7pm at Finnegan's funeral parlour. Queues of mourners, waiting to pay their respects to the 56-year-old farmer, began forming at 1.30pm. The line eventually stretched back to the town centre, with mourners standing in the rain as they waited. Mr Gaine's wife Janice was driven to the door of the funeral home shortly before 2pm. She was led in through the door under a sea of umbrellas. Also there to greet mourners were Mr Gaine's two sisters, Catherine and Noreen and other extended family members. Tributes to Mr Gaine included a photo display depicting him in him in his rally car racing days, as well as photos of him with farm machinery and socialising with friends. Outside the funeral home, in a nod to Mr Gaine's love of farming, was a red Fiat Tractor. Five rallycars, including Ford Escort MK2 the farmer used to compete in, were lined up in a nearby car park. A group of Mr Gaine's close friends at Killarney and District Motor Club (KDMC) spent last week restoring his old car ahead of his funeral tomorrow. The car will lead a procession around the town after the service as Mr Gaine's ashes are taken to their final resting place. Among the more well-known faces at the funeral home today were Sports pundit Pat Spillane and Kerry TD Danny Healy-Rae. Mr Gaine's funeral mass will take place tomorrow at 10.30am in Holy Cross Church in Kenmare, according to a notice on His funeral mass will be livestreamed. Afterwards, Mr Gaine's rally car, carrying his ashes, will do a lap of honour around Kenmare town. Rally car divers from all over Ireland are expected to travel to the Kerry town to join in the procession. The notice said Mr Gaine, who went missing from his farm on March 20, will be sadly missed and fondly remembered by his heartbroken family members and friends in the farming and rallying communities. His final resting place is to be kept private. Mr Gaine's family has asked for family flowers only, with donations in lieu of flowers to Kerry Mountain Rescue and SARDA (Search and Rescue Dog Association). Both these organisations played a significant role in the search for Mr Gaine after he was first reported missing on March 21. The family thanked the public for their "support and understanding at this extremely difficult time". An extensive search for the Kerry farmer took place over eight weeks. The case was officially upgraded to from a missing persons probe to homicide just over a month ago. Mr Gaine's partial remains were found almost two weeks ago when his nephew and close friend were spreading slurry. DNA confirmed the partial remains as those of Mr Gaine. The farm was immediately closed off and declared a crime scene. Specialised garda units and the Defence Forces have spent the past two weeks on the farm just outside Kenmare searching for evidence in the ongoing murder investigation. A man was arrested and later released without charge in the case.

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