Coordination of Benefits

Ohio’s Social Security program:

• Combines personal SSDI and widow's benefits so you only receive the higher amount.
• Prevents you from collecting two full benefits simultaneously.
• Limits total monthly payment to the larger of your SSDI or widow's benefit.

Effect of Receiving Personal SSDI Benefits

When you qualify for both:

• Your widow's benefit may be reduced if your personal SSDI is higher.
• SSA calculates each benefit separately and pays the biggest amount.
• No double payment if combined benefits exceed your eligible entitlement.

Eligibility for Widow/Widower Benefits

To be eligible in Ohio:

• You generally must be age 60 or older, or 50 with disability.
• Your deceased spouse must have enough work credits for Social Security.
• Personal SSDI must come from your own work history, not the spouse’s.

Impact on Survivor Benefits Planning

Understanding benefits can help you:

• Maximize your monthly income by choosing which benefit to receive.
• Plan around potential reductions if you collect SSDI.
• Time your applications based on full retirement age or disability status.

Common Misconceptions

Keep in mind:

• You cannot stack widow's benefits on top of personal SSDI to get more than your highest benefit.
• Benefit amounts may vary depending on your age and disability status.
• Consulting an expert ensures you avoid losing money through mistakes.

Appealing Benefit Decisions

If your benefits are adjusted unfairly:

• You have the right to appeal SSA’s decision on benefit coordination.
• Documentation and evidence may help restore or increase benefits.
• An attorney can help navigate appeals and improve outcomes.