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Ask Rusty – Why Did Social Security Ask My Mother This Question?

June 18, 2021 | Presenting: Russell Gloor - AMAC Foundation Social Security Advisor

Dear Rusty: When my father passed away and we went to update my mother’s Social Security benefits, a question arose that I was confused by. We were asked “Do you want to claim just your father’s benefit (which was larger) or claim my mother’s benefit and the difference between the two?” Either way it would come to the same amount. Is there a reason to claim one way over the other? Perhaps a caveat that we are unaware of? Is there a loophole that we are missing that may potentially benefit the survivor? We are soon to face this question again as my father-in-law is very ill. Signed: Curious

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 [email protected].