Young Widow Er S Social Security And Marriage

Upon a worker's death, Social Security pays benefits to each minor or disabled child and to the worker's widow(er), provided that a child of the worker is in his or her care. Although remarriage has no effect on a child's eligibility for benefits, the benefit going directly to the widow(er) terminates if he or she remarries. This paper examines the termination provision and discusses possible effects of the provision on the young widow(er) population.

The Social Security program, like the federal income tax system, is not marriage neutral. In the income tax literature, when a couple faces a higher (lower) tax bill as a married couple than as two single individuals, it is said that the couple, in effect, faces a marriage penalty (marriage subsidy). Similarly, provisions in Social Security lead to marriage subsidies or penalties. In this paper, we examine marriage penalties associated with Social Security's child-in-care benefits. These benefits are paid to widow(er)s who are caring for minor or disabled children. Benefits to the widow(er) terminate upon remarriage, giving rise to marriage penalties. We document the size of these penalties, discuss their likely effects on marriage decisions, and measure the cost of repealing the termination provision.

In this paper we focus on an age restriction for remarriage in the Social Security system to determine if individuals respond to economic incentives for marriage. Aged widow(er) benefits are paid by the federal government to persons whose deceased spouses worked in Social Security covered employment. A widow(er) is eligible to receive benefits if she or he is at least age 60. If a widow(er) remarries before age 60, she or he forfeits the benefit and, therefore, faces a marriage penalty. Under current law, there is no penalty if the remarriage occurs at 60 years of age or later. The Social Security rules on remarriage have changed over time. Only since 1979 have widow(er)s been allow to marry at or after age 60 and not face reductions in benefit amounts. We investigate whether the age-60 remarriage rule affects the timing of marriage and whether the elimination of the marriage penalty in 1979 encouraged widows 60 or older to marry. For this study, we primarily use Vital Statistics data from the National Center for Health Statistics. Our major findings are as follows. In 1979, there was an increase in the marriage rate of widows 60 or older. This suggests many widows in this age group chose not to marry until the marriage penalty they faced was removed. Also, in the post-1979 period, there was a drop in marriage rates immediately prior to age 60 and an increase after this age. We do not observe this pattern in the period before 1979, and we do not observe it for divorced women, who generally are not subject to the age-60 remarriage rule. These findings suggest that the age-60 remarriage rule affects the timing of marriage and has the most influence on women who are very close to age 60.

Guides readers through the emotions and practical concerns of finding love after the death of a partner. Romantic love, in all its permutations, forms one of the most fascinating of human interactions. It also can be one of life’s thorniest challenges, especially in a world where relationships often unfold online and, recently, where a pandemic barred face-to-face contact with people outside one’s immediate household. Among those seeking romance in increasing numbers is a group that stands apart: the women who, slammed by the death of a spouse, bravely pursue new love. Finding Love After Loss: A Relationship Roadmap for Widows goes to the trenches to interview widows who have embarked, nervously but with hope, on this quest. Their frank and revealing interviews, along with wisdom from relationship experts, provide guidance to other women trying to navigate the relationship scene when their last date might have been decades ago. Where do widows find new partners? How much should they share in their online profile? What do they tell their friends and family? What about getting naked for the first time with a new man? Who pays when the bill appears at a restaurant? More than any time in U.S. history, the country’s widows are seeking another chance at romance. The sheer number of widows—11 million, with an average age in the fifties—makes them a formidable force. They are living longer and have broader views on sex and money. Yet it is difficult for them to find their footing. Many of them have been away from the courtship arena for decades. They may make their return to dating with children and in-laws in tow. They are confused by the new rules and unclear on the expectations but convinced that they are capable of loving again. This book, written by a widow and a co-author who dated a widower, details just how powerful, sometimes daunting, and exhilarating the journey to new love can be. It also unveils the extraordinary ways that widows are reshaping the romance landscape: by tossing traditional marriage vows by the roadside, by skipping marriage entirely, or even by committing to a new partner but living apart. This isn’t your grandmother’s widowhood scene, not by a long shot. Finding Love After Loss examines the crazy, sad, and even zany contributions that people left behind by the death of a partner bring to new relationships. At the same time, it reveals both the amazing resilience of women who have lived through great loss and the irresistible pull of human connection.

Spaulding believes success-- in business and in life-- is all about relationships. He takes Dale Carnegie's classic philosophy to the next level, showing how by developing deeper relationships through giving to others and putting them first, we benefit as well.