Dear Rusty: I am a 77 year old married male. I am retired and started drawing Social Security at age 66, and my monthly amount is a little over $3,000. My present wife is 52 and employed, and we have been married for 22 years. I also have an ex-wife who is 85, not married, and drawing Social Security. My ex-wife and I were married 13 years. 

When I am deceased, what happens to my Social Security benefits? When my present wife decides to receive SS benefits, would she draw the higher benefit of our monthly amounts? Would my ex-wife be able to increase her benefit? Signed: Planning Ahead

This recording presents the viewpoints of the AMAC Foundation’s Social Security Advisory Staff, trained and accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). NSSA and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government. To request additional information, contact our Advisory Staff at 888-750-2622, or email us at SSAdvisor@AmacFoundation.org.