Benefit Coordination in Connecticut

Key points to understand include:

• Personal SSDI benefits may reduce the amount of survivor benefits you can receive from your late spouse.
• The SSA uses a coordination formula to prevent individuals from receiving more than the maximum monthly benefit.
• Widow's/Widower's benefits are typically payable only if those benefits exceed your own SSDI payments.

Eligibility Considerations

What affects your qualification:

• Widow's/Widower's benefits require meeting SSA age and marital duration requirements.
• Your personal SSDI status and payment amount are key to determining whether survivor benefits pay out.
• Working individuals may face additional restrictions on combined benefits.

Effect of Receiving Both Benefits

Understanding how benefits apply:

• If your personal SSDI payment is higher, you usually continue receiving it, and survivor benefits aren't paid.
• Survivor benefits replace or supplement your SSDI if they are higher than your own benefit.
• You cannot receive both full benefits simultaneously —payments are coordinated to avoid duplication.

Impact on Benefit Amounts

Keep in mind these factors:

• The combined benefit will not exceed SSA’s maximum monthly benefit limit.
• Any increase in survivor benefits might reduce or suspend your personal SSDI payments accordingly.
• Periodic SSA reviews ensure proper coordination based on updated facts.

Important Considerations

To avoid surprises:

• Notify SSA promptly about changes in your circumstances or benefit status.
• Consult with experts to understand the complex rules and exceptions for your situation.
• Benefit coordination can affect financial planning, so proactive advice is valuable.