Widow or widower, full retirement age or older — 100% of the deceased worker's benefit amount. Widow or widower, age 60 — full retirement age — 71½ to 99% of the deceased worker's basic amount. Widow or widower with a disability aged 50 through 59 — 71½%.
We base your survivors benefit amount on the earnings of the person who died. The more they paid into Social Security, the higher your benefits would be.
These are examples of the benefits that survivors may receive:
Widow or widower, full retirement age or older — 100% of the deceased worker's benefit amount. Widow or widower, age 60 — full retirement age — 71½ to 99% of the deceased worker's basic amount. Widow or widower with a disability aged 50 through 59 — 71½%. Widow or widower, any age, caring for a child under age 16 — 75%. A child under age 18 (age 19 if still in elementary or secondary school) or who has a disability — 75%. Dependent parent(s) of the deceased worker, age 62 or older receive: One surviving parent — 82½%. Two surviving parents — 75% to each parent.
Percentages for a surviving divorced spouse would be the same as above.
因为多半是男的工作所以这里假定工作的是丈夫A。
这里只说丈夫A去世以后的情况。
假定A退休以后的退休金是每月三千。那么A去世以后的survivor benefit就是他退休金的一个百分比，比如50%或者55% of the 三千。
下面说的前配偶现配偶拿100%，都是说的是100%的survivor benefit，不是100%的A的退休金。
我知道有的ID给的临客不是这么说的，但是这是我的理解。
A的N个前后老婆各自继续拿他100%的退休金、这是不可能的。
虽然A的现妻、A的所有结婚十年离婚的前妻们从来没有工作过，没有缴过SST
也就是有一半老年妇女还是为家庭奉献了绝大部分工作，所以政府保障她们的社安金。问问美国邻居退休的就明白了。
社安金就不公平。有了选择权的话她可以得到高一些的老年收入保障
看来美国还是提倡长久婚姻。澳洲social security 和婚姻啊工作啊根本无关的。old people $2000左右. 唯一要求居住10年。
还可享受Medicare
有钱人一般不结婚，结了婚关系不好也会尽快10年之前离婚的，不是这点钱，而是其他的财产，在很多州10年是一个坎儿，分财产和赡养费的坎儿。而且能和他们结婚的女性也都会再婚有新的生活，不会出现有好多太太领高额Ss的情况的。
穷人女性如果一辈子养育儿女，儿女还不成器的话，也不能叫她们老来无依靠。
我在退休村看得多，Ss福利有上限的，很多人现在都选择早点拿，62岁开始拿就要打折，所以一般的女性都会拿自己的，因为无论丈夫是啥级别，一半还折扣之后还是不如自己全部的折扣多，但差别也就几百块吧。
如果没有存款和其他passive收入，这点钱肯定不够活命的，很多老人还在工作来贴补，不管什么原因，工作当然是美丽的，也是值得尊重的。
富裕人群的妻子（不包括我）我看到的，也有这个福利，她们虽然没有需要但也搭车，我所见的的富裕太太都是很慷慨的关注社区和付出的，自己比较节俭，因为这好像是传统，所以也会把钱用在有益的事情上面，不会贪这个便宜和好处。
Survivors Benefit Amount
Widow or widower, full retirement age or older — 100% of the deceased worker's benefit amount. Widow or widower, age 60 — full retirement age — 71½ to 99% of the deceased worker's basic amount. Widow or widower with a disability aged 50 through 59 — 71½%.
我相信回帖也一定很多
她说她那50% 就存起来作为他们旅游的费用
存在就是合理的。 美国的福利制度支持弱势群体那是好事吧？
所以你老公的社安金是不可能比你多的，最多是一样，所以都拿自己的就行了。
62 岁退， 他的每月比我的高一百左右， 到67退可能就差不多了。 确实是他的一半比我的100%少很多啊 ：）
Survivors Benefit Amount
We base your survivors benefit amount on the earnings of the person who died. The more they paid into Social Security, the higher your benefits would be.
These are examples of the benefits that survivors may receive:
Widow or widower, full retirement age or older — 100% of the deceased worker's benefit amount. Widow or widower, age 60 — full retirement age — 71½ to 99% of the deceased worker's basic amount. Widow or widower with a disability aged 50 through 59 — 71½%. Widow or widower, any age, caring for a child under age 16 — 75%. A child under age 18 (age 19 if still in elementary or secondary school) or who has a disability — 75%. Dependent parent(s) of the deceased worker, age 62 or older receive: One surviving parent — 82½%. Two surviving parents — 75% to each parent.Percentages for a surviving divorced spouse would be the same as above.
There may also be a special lump-sum death benefit.
https://www.ssa.gov/benefits/survivors/ifyou.html#h1