Explanation of Benefit Coordination

In Maine, when you qualify for both SSDI and widow's/widower's benefits:

• SSA will pay the higher benefit amount between your SSDI and survivor's benefits, but not both combined.
• You cannot receive full payments for both SSDI and widow's/widower's benefits simultaneously.

Impact of Your Personal SSDI on Survivor Benefits

Your own SSDI benefits may:

• Reduce the widow's/widower's benefits you are eligible for under Social Security rules.
• Cause you to receive only your personal SSDI amount if it is higher than survivor payments.

Eligibility Considerations

Keep in mind that:

• You must meet the work credits and age requirements for both SSDI and survivor benefits in Maine.
• Widow's/widower's benefits usually require being at least age 60 or older, or disabled at 50 or older.

Timing and Application

To receive the correct benefit amount:

• You should apply for both personal SSDI and widow's/widower's benefits so SSA can compare and award the higher payment.
• Delays or failure to apply in Maine may affect your benefit start dates and payment amounts.

Potential Exceptions

In some cases:

• Widow's benefits may become payable on their own if your SSDI ends or changes.
• There may be special rules if you qualify for child's benefits or other Social Security payments.

Plan Ahead for Maximizing Benefits

Consider consulting experts to:

• Understand complex rules that govern coordination of benefits in Maine.
• Make strategic decisions about when to file for survivor or disability benefits.