I'm a few decades away from retiring, so just curious about A) Retirement income and B) Survivors income...
If my wife and child do nothing, and remain as full Thai citizens only with Thai Passport with no connection to the USA, will they automatically qualify for SS retirement and survivors income? Or is a green card, visa, citizenship required to make this happen? Will it be difficult for them to sign up themselves, or is there something I can do to register them in the SS system to make sure they're 100% taken care of? Is this a quick standard process, or a many years process (like a green card) requiring interviews, lawyers and agents?
Also, is this understanding of the benefits correct?
In the event of my tragic accident, both my wife AND my child (under 18) would each collect a survivors income immediately? (according to the SS benefits portal it looks like $2197 /mo each, or $4,394 /mo?)
When my wife turns retirement age (62-70) she will automatically qualify for SS benefits (looks like its nearly 50% of mine?)
And if I die AND she is 67 full retirement age, her benefit is both survivor + retirement?
And I guess she'll have to pay USA taxes and Thai taxes on this? Or USA exempt if personal income is under $100K rule applies?
Thanks in advance