Can I Collect Social Security from My Deceased Ex-Husband?
Losing a loved one is an incredibly difficult experience, and when that loved one was your ex-husband, the complexities of dealing with their estate can add an extra layer of emotional and financial stress. One common question that arises in such situations is whether a surviving ex-wife is eligible to collect Social Security benefits from her deceased ex-husband. This article aims to provide clarity on this matter and help those affected understand their rights and options.
Eligibility for Social Security Benefits
The Social Security Administration (SSA) offers survivors benefits to eligible individuals who have lost a spouse. To determine eligibility for collecting Social Security benefits from a deceased ex-husband, several factors must be considered:
1. Marriage Duration: The marriage must have lasted at least 10 years for the surviving ex-wife to be eligible for survivors benefits.
2. Age Requirement: The surviving ex-wife must be at least age 60 or older to collect survivors benefits. However, if she is caring for a child of the deceased, she may be eligible to receive benefits at a younger age.
3. Insured Status: The deceased ex-husband must have worked and paid Social Security taxes for at least 10 years.
Survivors Benefits Amount
If the surviving ex-wife meets the eligibility criteria, she can collect survivors benefits equal to the deceased ex-husband’s full retirement age (FRA) benefit amount. This amount is based on the deceased’s earnings history and the age at which they would have claimed their own retirement benefits.
Other Considerations
1. Divorce: If the surviving ex-wife was divorced from her deceased ex-husband, she may still be eligible for survivors benefits if the divorce was finalized before the deceased passed away.
2. Remarriage: If the surviving ex-wife remarries before reaching age 60, she may still be eligible for survivors benefits from her deceased ex-husband. However, if she remarries after age 60, she may be eligible for benefits from her new spouse instead.
3. Children: If the deceased ex-husband had children under age 18, or children with a disability who are under age 19 and attending school full-time, the surviving ex-wife may be eligible to receive benefits for the children.
How to Apply for Survivors Benefits
To apply for survivors benefits, the surviving ex-wife should contact the SSA as soon as possible. The application process can be completed online, over the phone, or in person at a local SSA office. It is essential to gather all necessary documentation, such as the deceased ex-husband’s death certificate, proof of age, and proof of relationship.
Conclusion
Losing a loved one is a challenging time, and understanding your rights to Social Security benefits can provide some financial relief. If you are a surviving ex-wife and believe you may be eligible to collect Social Security benefits from your deceased ex-husband, it is crucial to consult the SSA or seek legal advice to ensure you receive the benefits you are entitled to.
