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zgriner: "Currently, except for a $275 burial allowance (maybe), you wife receives nothing, except her own SS payment, after you die."</i.

This does not sound correct to me, unless I am misunderstanding "her own SS payment," although the age of the widow will matter.

My understanding is that at retirement age a widow is entitled to the greater of her own SS payment (i.e. based on what she paid into the system) or her widow's share of deceased H's SS (which I believe is one-half of H would get were he still alive).

Seems me me that it should both, if were anything other than a wealth redistribution system.

Just my $0.02. Regards, JAFO

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