What would happen to a wife who never had the chance to work after her husband dies? What would happen to a child who had lost his parent to whom he or she receives support? Will they starve? How will they pay the rent? Will they be able to get back on their feet?
With the help of the Social Security Administration (SSA), they sure can!
The Social Security came up with a solution to the problem being experienced by someone who had lost someone, especially if that loved one is the wage earner in the family.
The SSA created the Spouse Benefit Program. This program seeks to aid persons who lost their working spouses due to death. This program entitles the surviving spouse to receive the deceased worker0s retirement benefits:
1. Upon reaching the age of 62 years
2. At an earlier age if she is getting higher SS benefits based on her records. In which case, her spouse benefits shall be reduced by percentage based on the number of months up to her full retirement age
For instance, if the spouse begins collecting benefits at the age of:
a. 64 years 0 she will get 46% of the worker0s benefit;
b. 63 years 0 she will get 42% of […]

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