Social Security survivor benefits can create confusion. When one spouse dies, the amount you receive will change. Today, we try to clarify how this can impact your retirement.
Video: Understanding Social Security Survivor Benefits
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Scenario 1: You Are Both Receiving Social Security Benefits
This is the simplest part of Social Security survivor benefits. When the first spouse dies, the highest benefit continues, and the lower payment stops.


Scenario 2: Neither of You Are Receiving Social Security Benefits
Scenario 3: One Spouse Receiving Social Security, The Other Is Not
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Social Security has a lot of complexity and moving parts. This can create confusion.
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Neal Watson is a Certified Financial Planner™ Professional and a Financial Advisor with Fleming Watson Financial Advisors He typically works with people who are planning for retirement.
Fleming Watson is a Registered Investment Advisory firm located in Marietta Ohio.
Our firm primarily serves Marietta, Parkersburg, Vienna, Williamstown, and the surrounding communities in Washington, Noble, Wood and Pleasants counties.