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I searched for this particular quest. and can't find exact answer. My Dad is in nurse home, 97 yrs. old, Mom at home at 90. She draws $350 +/- s/s & Dad $850. She is paying down nursing home bill to the point of the "protected amount" that will remain hers.
She can pay household bills with the combined 350+850 but, 1) if he dies, what options does she have as a survivor to draw more than the $350?
2)with him in the home now, are there any options available?
3)are there any suggestions or unknown laws that may exist to her benefit?
Thanx, Swordpen
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what options does she have as a survivor to draw more than the $350?


If he dies first, his monthly SS benefits ($850?)would replace her $350. Also as his spouse she would get a one time benefit of $225 (I think that's the amount). She would have to notify the SS Dept.

Carol
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Depending on the state, she is allowed to keep a certain amount of their income so she can pay bills and remain in her home. This is a complicated area. You should really contact a lawyer that speciializes in elder care.
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The benefits for your mother, in the event your father dies before her, would be change from a non-working spousal benefit to a surviving spouse (widow) benefit. As such, her benefits would be adjusted to the amount your father was drawing. However, her benefit of $350 would cease since you can only draw one type of benefit at a time.

For more detailed information on Social Security Benefits, go to www.ssa.gov.

Good Luck
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