When your spouse dies, one of the immediate concerns that may arise is whether you will be eligible to receive his Social Security benefits. This article aims to provide a comprehensive overview of the Social Security benefits that surviving spouses may be entitled to, including the types of benefits available, the eligibility criteria, and the application process.
Upon the death of a spouse, surviving spouses may be eligible for several types of Social Security benefits, including survivor’s benefits, survivors’ insurance, and dependent benefits. These benefits are designed to provide financial support to the surviving spouse and dependents, helping them maintain their standard of living after the loss of a loved one.
Survivor’s benefits are the most common type of Social Security benefit for surviving spouses. These benefits are available to surviving spouses who were married for at least nine months prior to the deceased’s death. To be eligible for survivor’s benefits, the surviving spouse must be age 60 or older, or be caring for the deceased’s child who is under age 16 or disabled. The benefit amount is based on the deceased’s earnings record and may be reduced if the surviving spouse remarries before the age of 60.
In addition to survivor’s benefits, surviving spouses may also be eligible for survivors’ insurance. This benefit is available to surviving spouses who were married for at least one year and are disabled, or to the deceased’s child who is disabled and under age 18. The amount of survivors’ insurance benefits is based on the deceased’s earnings record and is not subject to the same age requirements as survivor’s benefits.
Dependent benefits are available to the surviving spouse’s children who are under age 18, or under age 19 if they are attending high school full-time. These benefits are also available to the deceased’s spouse’s child who is disabled and under age 22. The amount of dependent benefits is based on the deceased’s earnings record and is not subject to the same age requirements as survivor’s benefits.
Applying for Social Security benefits can be a complex process, but it is important to take action as soon as possible to ensure that you receive the benefits you are entitled to. To apply for survivor’s benefits, survivors’ insurance, or dependent benefits, you can visit the Social Security Administration’s website, call the Social Security Administration at 1-800-772-1213, or visit your local Social Security office.
In conclusion, when your spouse dies, you may be eligible for various Social Security benefits to help you through this difficult time. Understanding the types of benefits available, the eligibility criteria, and the application process can help you navigate the system and secure the financial support you need.
