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Dear Peter,

The toll of the war—more than two and a half years now—on the Jewish people has been great, but perhaps no one is suffering more than little boys and girls who have lost one or both of their parents. There are more orphans now than ever before in Israel’s modern history, and they urgently need our help. Your gift today of just $80 will touch the life of a Jewish orphan.

Your support of the Friends of Zion today allows us to comfort the orphans of Israel, help those who have survived the terrorist attacks, minister to the families of the hostages, continue to purchase and deliver food, medicine, clothing, and other necessities of life for the poor Holocaust survivors and refugees of Ukraine, continue to operate the Friends of Zion Museum, and to meet urgent humanitarian needs among the poor Jewish people living in Israel.

Thank you so much for being part of this vital worldwide prayer movement.DONATE NOW 

Weekly Prayer Service

Pray with us for Israel and submit your prayer requests.

Streaming live on FOZ & JPT platforms:
https://www.youtube.com/mikeevansisrael
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Pray For The Peace Of Jerusalem

“God of David, I pray that today You would arise and scatter the enemies of Israel and defend the city of Jerusalem. I know that one day You will rule the world from this sacred place, and I ask today that You will be the strength and shield of Zion.”

And it shall be in that day, that living waters shall go out from Jerusalem; half of them toward the former sea, and half of them toward the hinder sea: in summer and in winter shall it be. And the LORD shall be king over all the earth. Zechariah 14:8-9 

And many nations shall come, and say, Come, and let us go up to the mountain of the LORD, and to the house of the God of Jacob; and he will teach us of his ways, and we will walk in his paths: for the law shall go forth of Zion, and the word of the LORD from Jerusalem. Micah 4:2

Join with us and millions of others around the world in prayer for Israel:PRAY WITH US 

Nazi swastika flag flown at NYU during graduation week, condemned by officials, including Mamdani

A flag emblazoned with Nazi swastikas and the Star of David was flown on a New York University campus building on Wednesday, during the week that students commemorated their graduation.READ MORE

White supremacist leader sentenced to 15 years in prison for plot to poison NYC Jewish kids

A Georgian white supremacist group leader was sentenced to 15 years in prison on Wednesday for planning and soliciting racial mass killings, including a plot to poison New York City Jewish schoolchildren, the US Department of Justice announced.READ MORE

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There is no better way to keep up with what is really happening in Israel and the world—the truth the liberal media won’t tell you—than with the redesigned and upgraded FOZ app. We have prepared this app to allow us to stay in touch with you and provide the most up-to-date news and prayer requests. This powerful tool will help you shape and focus your prayers, receive updates from Dr. Evans, and so much more. It is a must-have for every friend of Israel.APPLE APP ANDROID APP DONATE NOW 

Friends of Zion | PO BOX 30000, Phoenix, AZ 85046 | memi@foz.org | 1-888-390-7946
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Sen. Bill Cassidy’s defeat shows the price of dissent in Trump’s Republican Party NBC News · Sahil Kapur The senator lost his primary in Louisiana five years after voting to convict Trump on impeachment charges. 

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Dear Peter,

In a few days, I will be going back to Israel again as your ambassador of hope to suffering people. We are focusing a special new outreach on boys and girls who have lost one or both of their parents. They have not only suffered this most devastating loss, but many of them are desperately poor and don’t have enough food or clothing or care. Together we can change that. Your gift today of $80 will meet the most urgent needs of a Jewish orphan.

There are more orphans in Israel today than at any time in the modern history of the Jewish state. The impact of the war on these precious young people has been devastating. A shocking recent report revealed that 40% of them are living in poverty. The government of Israel has been financially drained by more than two and a half years of war, and there simply isn’t enough money to go around. That’s why our help is so vital right now.

The people of Israel are suffering greatly right now, and while they need our prayers, they also need our help. Together we are answering the command of God, “Comfort ye My people.” Together we are telling, and more importantly showing, the people of Israel that they are not alone. Please send your most generous gift today and share this with everyone you know. 

Make a donation here:  https://give.foz.org

Your support of the Friends of Zion today allows us to comfort the orphans of Israel, help those who have survived the terrorist attacks, minister to the families of the hostages, continue to purchase and deliver food, medicine, clothing and other necessities of life for the poor Holocaust survivors and refugees of Ukraine, continue to operate the Friends of Zion Museum, and to meet urgent humanitarian needs among the poor Jewish people living in Israel. Thank you so much for being part of this vital worldwide prayer movement. 

Your ambassador to Jerusalem,

Dr. Mike Evans

Make an online donation here:  https://give.foz.org

Friends of Zion | PO BOX 30000, Phoenix, AZ 85046 | memi@foz.org | 1-888-390-7946

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Job 4:12-21

(12) Now a thing was secretly brought to me, and mine ear received a little thereof. (13) In thoughts from the visions of the night, when deep sleep falleth on men, (14) Fear came upon me, and trembling, which made all my bones to shake. (15) Then a spirit passed before my face; the hair of my flesh stood up: (16) It stood still, but I could not discern the form thereof: an image was before mine eyes, there was silence, and I heard a voice, saying, (17) Shall mortal man be more just than God? shall a man be more pure than his maker? (18) Behold, he put no trust in his servants; and his angels he charged with folly: (19) How much less in them that dwell in houses of clay, whose foundation is in the dust, which are crushed before the moth? (20) They are destroyed from morning to evening: they perish for ever without any regarding it. (21) Doth not their excellency which is in them go away? they die, even without wisdom. 
King James Version   Change email Bible version

When we closely examine the nature of the being that troubled Job’s friend, we learn that this spirit appealed to the carnal desire for a special revelation. If we remember the content of the serpent’s appeal to Eve, “Your eyes will be opened, and you will be like God, knowing good and evil” (Genesis 3:5), we see a similarity.

We notice that the spirit came at nighttime, in the form of a nightmare, an approach that could be characterized as intimidation, not an approach that God chooses to use with believers. We remember from Paul’s second letter to Timothy that “God has not given us a spirit of fear, but of power and of love and of a sound mind” (II Timothy 1:7).

Generally in Scripture, when people express fear at the appearance of angels, the angels comfort them, saying something akin to “Fear not” (see, for example, Daniel 10:12; Luke 1:13, 30; Revelation 1:17). Yet, this elusive being in Job 4 prefers to remain obscure and daunting, something atypical throughout God’s Word.

We also observe that this spirit’s message begins with an accusation, a technique usually ascribed to Satan(Revelation 12:10). The being insinuates that God does not trust the angels. However, we understand that God often entrusted His Word and weighty responsibilities to angels. If this spirit is so sensitive about God charging some of His angels with folly, it is perhaps that this message came from one of the rebellious angels who followed Satan. It is no wonder this evil spirit had bitterness and animosity against God.

In several places, the Bible contradicts the assertions that this demon makes. In fact, God Almighty has trusted His church—human beings!—with the mandate to carry His priceless gospel throughout the world. As for no one observing when a person perishes, we are assured by Christ Himself that no human being ever dies without God being mindful. As He keeps meticulous records of all the falling sparrows (Matthew 10:29), He also keeps track of the deaths of His saints, which He regards as precious (Psalm 116:15). Our God is not intent on destroying us, as the demon intimates, but as Paul writes in Romans 8:28, “And we know that all things work together for good to those who love God, to those who are the called according to His purpose.”

Several Bible commentaries, including Barnes Notes,erroneously suppose that this communication is consistent with God’s revelations. We can extrapolate from God’s stern rebuke of Job’s friends (Job 42:7-9) that He considered the communication not to have been consistent with His character.

Remember, the main principle of interpreting Scripture is that the Bible interprets itself. Contextually, then, Eliphaz probably received his counsel from a familiar spirit totally out of sync with the whole counsel of Scripture.

— David F. Maas

To learn more, see:
The Gift of Discerning Spirits

Topics:

Accusations Against God

Accusing God

Angels Ministry

Angels, Rebellious

Communication with Demons

Demonic Communication

Demonic Counsel

Demonic Influence

Demonic principalities

Demonic Spirits 

Discerning the Spirits

Evil Spirits 

Ministry of Angels

Commentary copyright © 1992-2026  Church of the Great God

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Retirement ReportsRetirement Articles

Brought to you by Eagle Financial Publications

Know the Differences Between Social Security Spousal and Survivor Benefits

by Bob Carlson
Editor, Retirement Watch

05/17/2026

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Among the most confusing and important Social Security issues are the differences between spousal and survivor’s benefits. Not knowing the differences can cost you or your spouse thousands of dollars in lifetime benefits. 

The rules are so confusing that the Social Security Administration (SSA) often makes mistakes, as documented by its Inspector General. 

Though survivor’s and spousal benefits seem to overlap and have similarities, they are separate benefits with different rules. Realizing that reduces confusion and improves planning. 

A married person has three potential benefits during his or her life: retirement, spousal and survivor’s benefits. 

Retirement benefits are based on your earnings history. Spousal and survivor’s benefits are based on your spouse’s earnings history. Spousal benefits are paid while your spouse is alive. Survivor’s benefits are paid after your spouse passes away. 

If your lifetime earnings are higher than your spouse’s, your retirement benefits probably will be higher than the spousal and survivor’s benefits. But you might receive more from spousal or survivor’s benefits than retirement benefits when your spouse had higher earnings. 

When you’re eligible for more than one benefit at the same time, most of the time you’re considered to have applied for all the benefits for which you’re eligible and will be paid only the higher of the benefits. 

Those are the general rules. Now, we look at the details of spousal benefits. 

You don’t need to qualify for a retirement benefit to be eligible for a spousal benefit. To qualify for a spousal benefit, you must have been married for at least one year, and your spouse must qualify for a retirement benefit, have claimed that benefit, and not have suspended the benefit. 

Sometimes the lower-earning spouse can’t claim a spousal benefit because the other spouse hasn’t claimed his or her retirement benefits. When one spouse hasn’t claimed retirement benefits yet, the other spouse is eligible only for their retirement benefit, if one was earned. 

After the other spouse claims retirement benefits, you can switch to the spousal benefit if it is higher than your retirement benefit. The switch is supposed to occur automatically when SSA receives your spouse’s benefit application, but it doesn’t always happen. Know the rules and monitor the situation so you can notify SSA if the benefit change doesn’t occur. 

Both spouses can claim their own retirement benefits when those benefits are higher than either’s spousal benefits. 

The spousal benefit is up to 50% of your spouse’s full retirement benefit (FRB). The FRB is the monthly benefit the spouse would receive by claiming at full retirement age. 

If your spouse waits until after full retirement age to claim retirement benefits, he or she will receive more than the FRB. But you’ll receive only 50% of the FRB as the spousal benefit. 

Spousal benefits can be claimed as early as age 62, just as retirement benefits can. 

But if you claim either your retirement benefit or the spousal benefit before your full retirement age (not your spouse’s full retirement age), then the benefit will be reduced. For example, if you claim retirement benefits before your full retirement age, you’ll receive less than your FRB. 

And if you later switch to spousal benefits, the spousal benefit will be reduced to less than 50% of your spouse’s FRB because you claimed retirement benefits early. 

There’s no benefit to waiting to claim spousal benefits after your full retirement age. Unlike retirement benefits, spousal benefits don’t increase for each month you delay receiving them after full retirement age through 70. 

Suppose the wife is the lower-earning spouse and claims retirement benefits at age 64. Her full retirement age is 66 and six months. The retirement benefit she receives will be less than her FRB, because she claimed early. 

Her husband claims his retirement benefit at age 70, maximizing the benefit. The wife is past her full retirement age at this point and switches to a spousal benefit because it is higher than her retirement benefit. 

The wife’s spousal benefit will be less than 50% of the husband’s FRB because she claimed retirement benefits before her full retirement age.

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Survivor’s benefits are paid based on the deceased spouse’s earnings record and can be claimed as early as age 60. 

The amount paid as a survivor’s benefit can be complicated and depends on both when the deceased claimed his or her retirement benefits and the survivor’s age when claiming the benefits. 

Only one Social Security benefit is paid to the household after a spouse passes away. The survivor receives the higher of his or her retirement benefit and the survivor’s benefit. 

The general rule is the survivor’s benefit is the retirement benefit the deceased was receiving at the time of his or her demise. But there are exceptions. 

If the deceased was not receiving retirement benefits on the date of death, then the survivor’s benefit is what the deceased would have been entitled to at full retirement age or at the time of death, if it is later than full retirement age. 

For example, if the deceased hadn’t reached full retirement age, the base survivor’s benefit is the deceased’s FRB. But if the deceased lived past full retirement age, the base survivor’s benefit is the benefit he or she would have been entitled to if benefits were claimed on the date of death. 

But the survivor’s benefit is reduced below the deceased’s FRB if the deceased claimed retirement benefits before his or her full retirement age. 

That’s why in Retirement Watch, The Spotlight Series, and my books I emphasize that spouses should coordinate their benefit claiming decisions and look to the time when only one spouse is alive. They should want the survivor to receive the maximum possible benefit. 

That’s usually done by having the higher-earning spouse delay receiving his or her retirement benefit until as close to age 70 as possible. 

Survivor’s benefits have other unique rules. 

Unlike spousal benefits, the survivor’s benefit is not reduced if the survivor claimed his or her retirement benefits before full retirement age. 

Also, a survivor who is eligible for more than one type of benefit can file to claim only one benefit and later switch to the other benefit. Applying for only one benefit is particularly beneficial when the survivor is between ages 60 and 70 and definitely when the survivor is younger than full retirement age. 

For example, the survivor might claim his or her retirement benefit at age 62. After reaching full retirement age, the survivor might switch to the survivor’s benefit, which would be maximized by that point. Or the reverse strategy might be best, claiming the survivor’s benefit first and delaying the retirement benefit until full retirement age or it is maximized at age 70. 

Survivor’s benefits are maximized at the survivor’s full retirement age, and might be maximized at an earlier age, depending on when the deceased claimed retirement benefits. 

Survivors also should know that claiming survivor’s benefits based on a deceased spouse’s earnings record might not be available if they remarry before age 60. But survivor’s benefits don’t change if the new marriage occurs after age 60. 

A surviving spouse has more choices than other Social Security beneficiaries, and the decisions can alter lifetime benefits by tens of thousands of dollars. 

The options are so tricky that SSA often makes mistakes involving surviving spouses. It is important to know all the options. It is best to either work with a financial professional who has some expertise in Social Security benefits or use one of the Social Security claiming software programs available. 

Claiming either spousal or survivor’s benefits doesn’t affect the retirement benefits paid to the other spouse. Retirement benefits are based on the recipient’s earnings history. 

While spouses and others also can claim benefits based on that earnings history, those claims don’t affect the retirement benefits paid to the primary earner. 

Both spousal benefits and survivor’s benefits might be available to a divorced spouse. I’ll cover that in the future.To a better retirement,

Bob Carlson
Editor, Retirement Watch WeeklyEditor’s Note: Right before the end of his first presidential term, Donald Trump signed a key bill into law. 

One that allowed Retirees and Pre-retirees to access to monthly lifetime retirement checks. Now, this has nothing to do with their social security payments… 

In fact, retirees can collect these Trump-backed checks on top of their social security payments. Click here to learn how.

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Want More Retirement Advice?

Check out my website, RetirementWatch.com, where you’ll find hundreds of free articles covering every aspect of retirement planning.

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It’s our newest web site, along with its free companion publication, Senior Resource Today. Here you’ll find practical, and useful content focusing on the most important and often most overlooked topics in retirement today, such as Senior Housing, Aging in Place, Personal Finance, Senior Care, and a whole lot more. Visit SeniorResource.com today!

About Bob Carlson:

Robert C. Carlson is the author of the books The New Rules of Retirementand Retirement Tax Guide, editor and investment director of the popular retirement newsletter, Retirement Watch, and editor of the free weekly e-letter, Retirement Watch Weekly.  Bob is a frequent speaker at investment conferences around the country, and you can also hear Bob as a featured guest on nationally-syndicated radio shows, such as The Retirement Hour, Dateline Washington, Family News in Focus, The Michael Reagan Show, Money Matters and The Stock Doctor.

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Eagle Financial Publications is located in Rosslyn, VA. – Blocks from the Capitol. Our products have been helping investors build their wealth for several decades. Whether you’re a long-term investor or short-term trader, you’ll find the right strategy for you, including how to earn more steady income to spend now, preserve and grow your capital to enjoy later, and whatever other investment goals you have.

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Sunday, May 17

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TOP NEWS 

Can these players who have rebounded keep it up?

The 2026 season has gone about as well as expected for 10 players who were coming off disappointing years, so let’s look at how they turned things around and if it can continue. 

You’ve never seen an Ohtani ‘homer’ quite like this one

Watch D-backs-Rockies showdown free on DBACKS.TV

Sánchez throws 13-K shutout to run scoreless streak to 29 2/3 IP

Weaver can’t help but smirk after stifling Yankees’ bases-loaded threat

Murakami clubs 16th HR to end drought with a bang … then hits 17th

Snell needs surgery for loose bodies in elbow; return this year in play

Backed by bawdy Busch fans, Leahy dominates vs. Royals

Marlins set franchise record with 8-run outburst in 10th inning

MLB’s new No. 1 prospect backs up hype with 2-homer night at Double-A

After 11 years in Minors, Durán makes 1st hit a HR, then has No. 2 ROBBED 

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PERSONALIZE STORIES 

TOP PERFORMANCES 

Longest Home Run

Bryce Harper

457 ft

1st Inning

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Hardest Base Hit 

Jac Caglianone

113.4 mph

9th Inning

Watch

Fastest Strikeout

Colin Holderman

99.6 mph

7th Inning

Watch

Decisive Play

Red Sox

51.2% WPA

8th Inning

Watch

Cristopher Sánchez
1 of 9 PHI pitchers since 1900 with 13+ K’s, 0 BB in a game

José Ramírez
1st CLE player since 1996 with 20 steals through 47 games

CJ Abrams
3-for-5, 2 doubles; slashing .301/.393/.540 on season

Nick Martinez
9th straight start with 2 or fewer runs allowed (1.08 May ERA)

Carson Benge
3-for-4; hitting .338 with 5 doubles in last 21 games

 

 

PLAY A SPORCLE BASEBALL QUIZ! 

MORE FREE GAMES AT MLB PLAY  

MUST-SEE PLAY 

The “No Fly Zone” sign does not apply to Julio Rodríguez soaring to rob home runs.

MORE TOP PLAYS 

STAFF PICKS 

Epic duel in Pittsburgh helps close out Rivalry Weekend

Two-time Cy Young runner-up Zack Wheeler and defending NL Cy winner Paul Skenes square off for the first time as the Phillies and Pirates wrap up their series today at 1:35 p.m. ET. 

Big shoes to fill? Nope, different clothing item

Looking for any possible way to break out of a slump, 5-foot-11 Jazz Chisholm Jr. tried wearing the pants of 6-foot-5 Giancarlo Stanton — and it worked!

 

New meaning for the term ‘flash sale’

One night after a shirtless cheering section celebrated a Cardinals walk-off win, manager Carlos Marmol bought tickets for the next two games to give them away to “fans who want to sit in the right field Loge and bring the energy.”

 

Mr. Met shows Hanks his acting chops

Tom Hanks was taking in the game between the Yankees and Mets when Mr. Met appeared as the spitting image of legendary volleyball Wilson from the movie “Cast Away.”

 

America’s Pastime meets America’s Hometown

As part of America’s 250th birthday celebration, kids gathered in Plymouth, Mass., to participate in various activities at a Play Ball event.

 

Giants vs. A’s on MLB Network

Close out Rivalry Weekend by watching as Rafael Devers and the Giants face Nick Kurtz and the A’s at 4 p.m. ET.

 

 

MORE STORIES

SCOREBOARD 

TOR 2
DET 1

KC 2
STL 4

AZ 2
COL 4

BAL 3
WSH 13

PHI 6
PIT 0

MIA 10
TB 5

CIN 4
CLE 7

TEX 1
HOU 4

CHC 3
CWS 8

MIL 2
MIN 1

SD 7
SEA 4

BOS 3
ATL 2

NYY 3
NYM 6

LAD 15
LAA 2

SF 6
ATH 4 

 

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SI WEEKEND ROUNDUP

 

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