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USAA is The American Legion's preferred provider of financial services. Offering a range of top-rated financial and insurance products and services. USAA welcomes honorably discharged U.S. military veterans, active-duty troops and qualified family members and descendants of those who have served. USAA contributes funds to American Legion programs when members join through a dedicated channel:
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Financial Questions & Answers

Financial Questions & Answers

Question:

I am 72 and receive $410 per month in Social Security. My wife is 68 and receives $992 per month. If I predecease my wife, will she receive my benefit or a portion of it? If my wife predeceases me, will I receive her benefit or portion of it? – Jim

Answer:

If your wife predeceases you, your Social Security benefit would increase and be equivalent to her current benefit, $992 per month. On the other hand, if something happens to you first, she would just continue to receive her Social Security because it’s the largest benefit … it would not be changed. In the event of either of your deaths, your overall Social Security income would drop by the equivalent of your benefit, but the system provides a bit of protection for the lower wage earning spouse which is why you would receive her larger check.