CROP Walk set for Sunday at Mosher Parkby Melanie Lekocevic / May 5, 2023Related Posts
Social Security Matters: When is my wife eligible for full survivor benefits?
By Russell Gloor
For Capital Region Independent Media
Dear Rusty:
I heard my spouse will get 100% of my Social Security when I pass if she is at her full retirement age (FRA), which is 66 years and eight months. But I also heard that full widow benefits for those born in 1958 are available at 66 years and eight months. Which is correct?
Then I heard that her getting 100% of my Social Security is NOT the case because I started Social Security at 70. I heard this is because widow benefits are based on my benefit at my full retirement age. So, will my wife get 100% of my Social Security if she starts it at her FRA, or will she get my smaller FRA amount?
My wife is now getting spousal benefits and I also heard that for those getting spousal benefits, Social Security automatically changes that to widow benefits when the other spouse passes. If I die before my wife reaches her FRA, can she tell Social Security to NOT give her widow benefits at that time? Can she wait until she is at her FRA and then start widow benefits to get 100% of mine?
Signed: Concerned Husband
Dear Concerned: I’ll be happy to clear all this up for you. There are two “full retirement age” numbers that will be in effect for your wife if you pass first – 1) her “normal” full retirement age (FRA), and 2) her “widow’s full retirement age.”
Your wife’s “normal FRA” is 66 years and eight months and that is when her personal SS retirement benefit can be claimed without reduction, and when she will no longer be subject to Social Security’s earnings test if she is still working. Your wife’s “widow’s FRA” is determined by subtracting two years from her birth year and the FRA number for that year becomes her “widow’s FRA,” which is the age at which she becomes eligible for unreduced survivor benefits. In your wife’s case, her “widow’s FRA” is four months earlier than her normal FRA, or 66 years and four months.
The confusion about whether your wife’s survivor benefit will be based on your FRA entitlement or your age 70 amount usually stems from the fact that a spouse’s benefit while both partners are living is based on FRA amounts, whereas your wife’s benefit as your surviving spouse is based on the full amount you were receiving when you died. Thus, your wife’s current benefit as your spouse is based on your age 66 amount, but her benefit as your widow will be based on your age 70 amount. If you predeceased her, your wife’s benefit as your survivor (if she has reached her “widow’s FRA” of 66 plus four months) will be 100% of your age 70 amount (including any cost-of-living adjustments subsequently awarded), and that will replace the smaller benefit she is now receiving as your spouse.
Whether your wife’s survivor benefit will be automatically awarded depends on whether her current benefit consists of her own Social Security retirement benefit from her own lifetime work record plus a spousal boost from your record. If that is the case, then her survivor benefit will not be awarded until she claims it.
If, however, your wife’s current benefit is based solely on your record, when Social Security receives notification of your death, they will automatically award your wife’s benefit as your surviving widow. If she has already reached her “widow’s FRA” when that happens, her new benefit amount will be the same as you were receiving when you died. But if your wife hasn’t yet reached her widow’s FRA, her survivor benefit will be awarded at that time but reduced by .396% for each month earlier than her FRA.
So, if her current benefit is based solely on your Social Security earnings record, your wife will not have the option to delay her survivor benefit until her widow’s FRA.
This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundation’s staff, trained and accredited by the National Social Security Association (NSSA). NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity. To submit a question, visit our website (amacfoundation.org/programs/social-security-advisory) or email us at ssadvisor@amacfoundation.org.
Soaring with eagles
By Melanie Lekocevic
Capital Region Independent Media
FREEHOLD – Ever wonder what it would be like to soar with eagles? Glider pilots don’t have to wonder… they already know.
Gliders may look like airplanes, but they don’t have an engine and, indeed, no electronics at all.
Yet they soar in the sky, sometimes side by side with eagles.
“It feels wonderful – you feel like a bird,” said glider pilot Linda DeMarco. “Sometimes eagles fly next to us so we are literally soaring with eagles.”
The glider organization Nutmeg Soaring purchased the Freehold Airport several years ago and in July held its annual open house to share their hobby with the community and give people an up-close look at what gliders are all about.
DeMarco, who owns her own airplane, has been gliding for decades.
“I have been gliding since the 1990s,” she said. “My husband, who was a Belgian paratrooper, always wanted to fly, so we got involved with gliding in Connecticut.”
Nutmeg Soaring is based in Connecticut but uses the Freehold Airport to store and fly their gliders.
How do you fly without an engine?
A “tow plane” – a traditional airplane with an engine – is connected to the glider and brings it up into the sky. When conditions are just right, the tow plane releases the glider and off it goes, on its own. The glider pilot uses the wind to soar and with the right conditions, can stay up in the air for hours.
“You become a micro meteorologist because you have to see the thermals, which are heat waves rising, and you need to feel the wind and see where it’s blowing the glider,” DeMarco said. “You always have to look down and make sure you have a place to land in case you get too far away from the airport and can’t make it back.”
Glider pilots become expert at understanding and using wind to stay afloat.
“You just glide through the air and use the weather as your motor,” DeMarco said. “You learn how to feel what is going on under you. If there is a rising thermal of warm air, you will feel it in the seat of your pants and you turn into it and take it as far up as you can.”
For some glider pilots, it is their first introduction to flying and some eventually transition to more traditional power planes after learning the basics, DeMarco said.
Sara Inzerillo is 17 years old and already has several years of glider piloting under her belt.
“I started learning when I was about 14 years old and I soloed when I was 14, too, when you go up in the glider alone,” Inzerillo said.
There was a learning curve, but she said there is nothing else like it.
“It’s really, really fun. It took me a while to get used to it and get good at it, but it’s really fun,” Inzerillo said. “It’s silent – unlike a plane, where you hear the engine, in a glider you are up there and it is super silent. You can hear the wind and the mountains are right by you.”
“You look for thermals to stay up – that’s the only way to gain altitude, through finding lift,” she added.
Sharon Hillman, of West Coxsackie, said she has been good friends with the Inzerillo family and has known about Sarah’s hobby for years. But would she go up in a glider?
“No, I wouldn’t,” Hillman said. “It even makes me nervous when Sarah goes up – but she is good at it.”
In addition to gliders, the Freehold Airport’s annual open house also had on display power airplanes from many years ago, such as a Fairchild 24W9, manufactured in 1940, which was capable of transporting high-explosive bombs.
Brian Benedict and Brian Flynn, both with the United States Air Force Auxiliary’s Civil Air Patrol, were also on hand to share information with the public about what their organization does.
“We’ve got three missions,” Flynn said. “There’s emergency services, where we do mostly disaster relief. For instance, if there’s a hurricane, we would do photo reconnaissance missions for FEMA. Then we have cadet programs, which is similar to Boy Scouts and Girls Scouts, and we also do aerospace education, both internally and externally. We educate people about aerospace and how important it is to the economy and to the future.”
Flynn and Benedict had a turbo-charged Cessna plane with a “glass cockpit” on display at the airport.
