Widows can receive Social Security benefits while still working. However, the total amount of Social Security widow benefits for which they’re eligible might be reduced, depending upon several factors.
Employment and Social Security Widow Benefits
Many newly widowed individuals have steady employment in Dunn. Oftentimes, one of their initial financial concerns after losing their spouse is whether or not they can receive Social Security benefits while still working.
Yes, you can still receive benefits and work, but your age and income will determine for how much you may be eligible. It is understandable that a widow would want her due benefits when a spouse dies regardless of whether she had a previous form of income or not.
Three eligibility rules regarding employment and Social Security benefits are:
- Rule 1 – If your date of birth falls between January 2, 1943 and January 1, 1955, your full retirement age is 66. If you are retirement age or older, you may keep all your benefits regardless of how much you earn.
- Rule 2 – If you don’t reach retirement age in 2013, the Social Security Administration (SSA) will deduct $1 from your benefits for every $2 you earn above $15,120.
- Rule 3 – If you reach full retirement age sometime during 2013, the SSA will deduct $1 from your benefits for every $3 you earn above $40,080 until the month of your birthday.
The unemployment rate is around 10 percent in Dunn, according to the Dunn Chamber of Commerce. When a husband dies, it can place a financial burden on the surviving widow. You may apply for survivor benefits in this case, and have the right to appeal the claim decision if you do not believe it is fair. Understand how Social Security widow benefits are affected by working while collecting the benefits. Through Social Security benefits while still working, many are able to make ends meet when losing a spouse.