Full question: I am soon to be 65 in September. I am drawing disability. I met with a Social Security agent in 2019 and asked if I could apply for Survivor’s benefits, because my husband died in 2012. He told me I could not have both disability and Survivor’s Benefits. Is that true?

Hi there,

If you are currently collecting a disability benefit, you may be eligible to switch to a survivor benefit if it is higher than your disability benefit. However, you are not able to collect both together. There are many Social Security rules surrounding disability and survivor benefits, especially when both are involved. Our team of experts can help you determine and plan for the best time to switch over to the survivor benefit if it is possible.

Take care,
Martha

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