Social Security Survivor Benefits – The Rules
Social Security Survivor Benefits for the death a Spouse
Social Security: The Survivor Benefit, Simplified
Widows Waiting to Wed? (Re)Marriage and Economic Incentives in Social Security Widow Benefits
社會安全局 遺屬福利 在 60 歲之前再婚，您將無法領取寡婦和鰥夫的 福利。
社會安全局 遺屬福利 在 60 歲之前再婚，您將無法領取寡婦和鰥夫的 福利。
寡婦領遺夫福利 如何選擇較高金額
Survivors Planner: How Much Would Your Benefit Be? survival benefit
remarry after 60
Formula for Family Maximum Benefit 3394
$1411 / 75% = $1881
Social Security Benefit Amounts For The Surviving Spouse
rate 28.5/7 = 4.07%/year amount increase
do this if live less than this age
60 71.5% x+7 78.56 $1345
61 75.57% x+6 80.56
62 79.64% x+5 82.56
63 83.71% x+4 84.56
64 87.79% x+3 86.56
65 91.86% x+2 88.56
66 95.93% x+1 90.56
67 100.0% $1881
84.96 average life expectancy
Income exempt limit, working during retirement (Exempt Amounts Under The Earnings Test) $17640
Maximize benefit: begin at 60 or full retirement age and switch to below at 70
Survivors Planner: How Much Would Your Benefit Be? survival benefit
remarry after 60
Formula for Family Maximum Benefit 3394
$1411 / 75% = $1881
Social Security Benefit Amounts For The Surviving Spouse
rate 28.5/7 = 4.07%/year amount increase
do this if live less than this age
60 71.5% x+7 78.56 $1345
61 75.57% x+6 80.56
62 79.64% x+5 82.56
63 83.71% x+4 84.56
64 87.79% x+3 86.56
65 91.86% x+2 88.56
66 95.93% x+1 90.56
67 100.0% $1881
84.96 average life expectancy
Income exempt limit, working during retirement (Exempt Amounts Under The Earnings Test) $17640
Maximize benefit: begin at 60 or full retirement age and switch to below at 70
2024 survivor 60 $2796 67 $3911 70 $4873
self 62 $2710 67 $3911 70 $4873
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Living Trust: owner of house, beneficiary of life insurance, annuity, but not retirement plans (stretch Roth IRA to withdraw at 10th year)
Estate Planning, Living Trust, inheritance, inherit,
Revocatible Living Trust asset management to avoid probate, Grantor 創辦人，Trustee 管理人，Beneficiary 擁有人
Estate tax 2026 15Mx2, estates of decedents survived by a spouse may elect to pass any of the decedent's unused exemption to the surviving spouse. This election is made on a timely filed estate tax return for the decedent with a surviving spouse. Note that simplified valuation provisions apply for those estates without a filing requirement absent the portability election. ILIT irrevocable life insurance trust, second-to-die, joint survivorship.
Retirement Planner: Benefits, Retire Early bridge with 401k (mid 2028 59½)
Delayed Retirement Credits
Medicare end of 2033, 65 yrs, limit age 63 year income to prevent IRMMA surcharge
Roth IRA conversion after retirement and before 73 years on 4/1 for RMD required minimum distribution
Roth IRA conversion after retirement and before 73 years on 4/1 for RMD required minimum distribution
If no job before 65
* Roth conversion
* sale California house / or keep until inheritance for step-up in basis to fair market value FMV
* buy a house near Seattle and move to Washington (Long-term capital gains tax 7%, deduction 270k)
* buy a house in Taipei and move to Taiwan for health insurance before Medicare
35 top earning years to get maximum benefit, 1997-end of 2031, 63 yrs old
yr pct yr past 70
start if live less than this age
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62 70% x+8 74.67
63 76% x+7 76.67
64 82% x+6 78.67
65 88% x+5 80.67
66 94% x+4 82.67
67 100% x+3 80.5
68 108% x+2 82.5
69 116% x+1 84.5
70 124% x
Children health insurance until turning 26, 10/2027(58), 4/2030(61.5)
Graduate from college, 5/2023 (54), 5/2026 (57)
Leaving home, 9/2019 (50), 9/2022 (53)
CPI over the years Consumer Price Index, graph/chart
Deeds.com Transfer on Death Deed TODD poor man's trust
