What You Should Know About Social Security if Your Spouse Passes Away
The death of a spouse is among the most stressful life events. Losing a spouse can be devastating both emotionally and financially. You can depend on us during this difficult time.
Can I get surviving spouse benefits?
When your spouse passes away, you may be able to get benefits as a surviving spouse – even if you’re divorced. Eligibility depends on several factors:
Age – You may be eligible for survivor benefits:
- If you are age 60 or older.
- As early as age 50, if you have a disability and are unable to work.
- At any age if you’re caring for your deceased spouse’s child who is younger than 16 or who developed a disability before age 22. Note: Children (including stepchildren, grandchildren, step-grandchildren, and adopted children) may be eligible for survivor benefits, too.
- Employment – You may be able to work and get survivor benefits. It depends on your age and how much you’re earning. If you’re younger than full retirement age, you’re subject to an earnings limit. To learn more about working and getting benefits, read this blog article.
- Benefit status – If you already receive retirement or disability benefits on your own work record, you may be due survivor benefits if they’re greater than your own. You won’t receive both – you’ll get the higher amount.
How much will I get as a surviving spouse?
Social Security benefits are based on a worker’s lifetime earnings. As a surviving spouse, you may receive between 71.5% and 100% of your deceased spouse’s benefit. The longer you wait to apply – up until your full retirement age – the higher your monthly benefit amount will be.
When should I apply for survivor benefits?
When your spouse dies, we recommend you call us right away at
You have options. You may be able to get benefits as a surviving spouse while delaying your own retirement benefit, if it’s higher. Or, you may want to receive a reduced retirement benefit, then wait until later to apply for a higher survivor benefit.
Please contact us to speak with a representative so you can decide what’s best for you.
How do I apply for survivor benefits?
You must make an appointment by calling us at
If you already receive spouse benefits, you will automatically be converted to surviving spouse benefits. No application is needed. However, you should contact us to apply for the one-time only $255 lump sum.
You cannot apply for survivor benefits online.
What if I’m divorced?
You may be able to get benefits as a surviving divorced spouse if you were married at least 10 years, even if your spouse had remarried. You must be at least age 60, or 50 if you’re disabled, and you must be single – unless your remarriage occurred after age 60. Note: We may be able to pay divorced spouse benefits while your former spouse is living.
For more information, check out our Survivors Benefits publication and our Survivor benefits page. Please call us if you have questions or to schedule an appointment for yourself or a child.
Please share this important information with your loved ones and other surviving spouses – and post on social media.