Understanding Retroactive Survivor Benefits Before Full Retirement Age (FRA)

Are there any circumstances or instances in which someone can collect survivors benefits retroactively before their own FRA?  I was not aware of any, but I read something in a Social Security guide from Fisher Investments that indicated that this could happen.

Yes, there are specific circumstances under which someone can collect survivor benefits retroactively before reaching their Full Retirement Age (FRA). Here’s how it works:

1. Retroactive Benefits Before FRA:

   • Up to 6 Months Retroactive: If the surviving spouse is under FRA, they can receive up to 6 months of retroactive survivor benefits. This is particularly applicable if the deceased spouse had already begun receiving their Social Security benefits before reaching their FRA. This situation falls under the Retirement Insurance Benefit Limitation (RIB-LIM) rule.

2. Extended Retroactive Benefits for Disability:

   • Up to 12 Months Retroactive: If the surviving spouse is disabled and under the age of 61, they may be eligible to receive up to 12 months of retroactive survivor benefits.

3. Relevant SSA Guidelines:

   • SSA POMS Reference: The Social Security Administration’s Program Operations Manual System (POMS) section GN 00204.030D provides detailed guidance on these scenarios.

In summary, while it’s not common knowledge, there are indeed specific instances where retroactive survivor benefits can be collected before reaching FRA, particularly under the RIB-LIM rule or for disabled individuals. If you need further clarification or assistance, feel free to reach out!