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Widowed Village connects peers with each other for friendship and sharing. The moderators, administrators, and others involved in running this site are not professionals.

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Born in the 50s

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Comment by runm0423 on August 25, 2015 at 3:25pm
Yes... I'm planning on drawing my widow benefit at 60. I'm retiring in about 3 months at age 57.5...I'll have my 1/2 my husband's as well as my own pension which is great, except now I have to pay nearly $850 per mo for retiree health insurance... That's ridiculous. I'm planning on doing some part time consulting until I hit the big 6-0. Then I'm done! Who would have thought that turning 60 would have any benefit?? Micki
Comment by SharonH1885 on August 25, 2015 at 11:54am
Just another thing to mention about widow's benefits through SS, you must meet their income requirements in order to qualify. For most of us, income from employment would disqualify us. For example, I will have to retire at 60 in order to draw my husband's SS because my income from employment is too high. Of course, I will be ready to retire at 60 anyway so am planning to draw a percentage of my husband's SS along with my pension and the pension from my husband as well. Then when I am full retirement age, I will switch to my SS which will be higher.
Comment by BergenJC on August 25, 2015 at 10:40am
You can collect survivor benefits from Social Security in the form of 71% of your deceased spouse's benefit starting at age 60. If you have benefits of your own, you may then switch to yours later if it is more than that of your spouse. The percentage of full benefit you get increases with the number of years you wait.

I am 60 and I have looked into this. If I stop working, I will be able to get 71% of my husband's full benefit. My benefit is more, so if I can hold out till I'm 70, I can collect his until then and then switch over.

I've confirmed this with Social Security.

Unfortunately, if you are under 60 and don't have minor children, you are S.O.L. under current law. But if you are 60, you can still collect.
Comment by Lakegirl33 on August 25, 2015 at 9:15am
MyLife in suddenly widowed posted this. I think it affects many of us in this group . See what you think. As someone who needs to work and was of a two income household, it hot home. People were telling me I should get widows benefit monthly, the reality is that until you turn 65, it is based upon your own income, so I would not qualify.
"We need to make a change so that a working widow with no qualifying child can draw their husband ss. This is a really huge issue and until I became a widow did not realize how bad this was. There are millions of us out there just like me that are grieving the loss of their husband and not only lost him and his income but then have to loose everything we own. We need to stand together and make a change so we do not have to wait till we are a certain age to be able to collect benefits we should be able to draw social security from the day our husbands pass...let's make a change"
Please sign petition: https://www.change.org/p/barack-obama-help-for-widows?recruiter=593...
Comment by Slick on August 22, 2015 at 8:48am

Bergen I have no words other then WOOHOOO>....prayers..good thoughts of strength and peace coming your way and wishing you the very best.....

Comment by Lakegirl33 on August 22, 2015 at 7:27am
BerganJC, sounds so perfect for you! My niece lives in the area and loves it! Keep us posted!so excited for you
Comment by BergenJC on August 21, 2015 at 9:29pm

I've been looking at houses online for 6 months and this is the only one that's not too isolated but not too congested, close to shopping but not TOO close, 20 minutes from anywhere I'd want to go, move-in condition, painted just the way I would do it (Not that that can't be changed), The sellers have accepted my offer, my financial guy says A-OK go ahead even with the market issues...so we'll see what my managers are willing to work out about remote work.

It seems crazy -- I'm well-paid and I have great health insurance.  But I'm tired, tired, tired, and I need a change.  And selling my house and buying an overpriced condo near this job that I'm sick of is not the answer.  I feel stuck, stuck, stuck.  I have lived in NJ since 1957.  I hate this friggin state.  You guys who don't live here are familiar with the "You wanna piece-a-me?" attitude of Chris Christie?  Everyone on the roads, in restaurants, wherever you go, is like this.  Next weekend I am going to NC to see the house in person and my sister is going to have some friends over for dinner as she folds me into their circle.  I am scared, excited, panicky -- and exhilarated.  And did I mention panicky?

Comment by Slick on August 21, 2015 at 5:16pm

irishlady....I hope you find what works for you.....my easiest year was year one....I think mainly because Bill was so young and sick for so long.....I was his only caregiver for 3 1/2 years....I retired to care for him....when he passed I was so tired ...I slept 12 hours everynight....started to eat right again, excercise...really didn't do much bu try to take care of me....then a little into year two I thought I would die...it's gotten better but still much harder then the first year....I hear this alot so it must be normal....trying to make a life for myself seems im[possible....

Comment by irishlady on August 21, 2015 at 5:04pm

slick..thank you for your ideas and kind remarks. Some good ideas. I still have a few days to formulate something. I seem sadder this year than the last two. Odd.

Comment by Lakegirl33 on August 21, 2015 at 7:00am
BergenJC, be patient with the darn market!somproud of younger making such a big decision! Remember a bid is abid, if you decide financially it's not thecrightbtime there are ways out, but insure hope youndontbneed to!keep us posted.
 

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