Can I Collect My Own Social Security Retirement Benefits While Receiving Survivor Benefits?

As a 75-year-old receiving survivor benefits and working part-time, you may be wondering if you can also collect benefits based on your own work record. This is a common concern among those who have been left behind by a loved one and are now receiving Social Security survivor benefits.

A Closer Look at Social Security Programs

Social Security offers two types of benefits:

Survivor Benefits: These benefits are provided to family members who were dependent on a deceased worker. The amount is based on the deceased worker's work record. Own Retirement Benefits: These benefits are based on the worker's own work record and can only be claimed after reaching Full Retirement Age (FRA).

The key takeaway here is that you can only receive one Social Security benefit at a time. The benefit that offers the higher amount is the one that will be paid to you. In your case, if your own benefit with delayed retirement credits up to age 70 is higher, you can switch to claim that benefit. However, you cannot receive both survivor and retirement benefits simultaneously.

Understanding the Benefit Comparison Process

When you applied for survivor benefits, the Social Security Administration (SSA) would have evaluated your own retirement benefit based on your work history. The SSA compares this benefit to the survivor benefit you are entitled to and awards the higher of the two. This was likely described in the benefit award letter you received.

Once you've claimed a Social Security benefit, you generally stop earning credit on your work history. However, it is worth consulting the SSA to verify this, as credit might be available in certain circumstances. This is a critical step, as understanding your work credit situation can help you make informed decisions about your benefits.

Seeking Clarification from the SSA

If you are still unclear about your benefit options, the SSA website offers an FAQ library and a dedicated Contact Us feature. However, if you are posting this question here, it is somewhat unusual and may indicate that you need more personalized assistance.

Consulting a Social Security Employee

It may be helpful to reach out to a Social Security employee who can provide detailed information. They can help you understand the specific circumstances of your case and provide guidance on how to proceed. The SSA can also help you explore your options, such as whether it would benefit you to delay claiming your own retirement benefit to increase its value.

Conclusion

As a 75-year-old receiving survivor benefits and working part-time, you have the choice to switch to your own retirement benefit if it is higher. The key is to understand the benefit comparison process and consult the SSA for personalized advice. Make sure to explore your options thoroughly to ensure you are maximizing your Social Security benefits.

Remember, managing Social Security benefits is complex, and professional guidance can be invaluable.