Anyone know about homemaker iras and contributions?

What happens if the homemaker spouse becomes widowed?

Is there any way of getting around a pension plan that pays off only 50% to the widowed spouse at the deceased retirement age?

Is a widowed spouse better off taking a reduced (by 1/2) early retirement amount starting at age 52, or waiting till age 69 (accounting for the age diff between spouses)for the full benefit?

If the deceased spouse withdrew $ from an employers retirement account, and put it into a savings account just prior to their death, without the knowledge of the surviving spouse, can the surviving spouse avoid irs penalties if that $ is then rolled into a homemakers ira? If so, can that be done after the widowed homemaker has already paid the penalties on the money? A year after? Is this something a tax preparer should know, and are they obligated to let the widowed spouse know about that? If so, then what action should the widowed spouse take?

What happens if the homemaker spouse becomes widowed?

That would depend on the beneficiaries of the deceased person's accounts.

s there any way of getting around a pension plan that pays off only 50% to the widowed spouse at the deceased retirement age?

Probably not with a defined benefit plan, which that sounds like.

Is a widowed spouse better off taking a reduced (by 1/2) early retirement amount starting at age 52, or waiting till age 69 (accounting for the age diff between spouses)for the full benefit?

Theoretically, that would depend on how long you expect to live.

You need a tax accountant for that last one, moreover I think you need to deal with this promptly. Any chance of avoiding the penalty requires that it be dealt with in a timely manner, either transferred to you as the beneficiary or rolled back into a retirement account within a couple months.

...check with either a financial advisor or an attorney who specializes in wills and estates.