Losing a spouse is one of life’s most painful and challenging experiences. Along with the emotional toll, it can also bring financial uncertainty. Social Security is here to support you during this difficult time.
Can I Receive Survivor Benefits?
You may be eligible for Social Security survivor benefits after your spouse passes away—even if you’re divorced. Your eligibility depends on a few key factors:
- Your Age:
- You can receive survivor benefits starting at age 60.
- If you have a disability, you may qualify as early as age 50.
- At any age, if you’re caring for your spouse’s child who is under 16 or has a disability that began before age 22.
- Employment Status:
- You may be able to work and still collect survivor benefits, depending on your age and income. If you’re below full retirement age, your benefits could be reduced if you earn above certain limits.
- Current Benefits:
- If you already receive retirement or disability benefits based on your own work record, you may be eligible for a higher amount through survivor benefits. You will receive whichever benefit is larger—not both.
How Much Will I Receive?
The amount is based on your spouse’s lifetime earnings. As a surviving spouse, you could receive between 71.5% and 100% of their benefit. The longer you wait to claim (up to full retirement age), the more you may receive monthly.
When Should I Apply?
Contact Social Security as soon as possible after your spouse’s death:
- Call 1-800-772-1213 to apply for the one-time $255 death benefit and to discuss your monthly benefit options.
- You may choose to:
- Start survivor benefits now and delay your own retirement benefit until it grows.
- Begin receiving your retirement benefit first, then switch to survivor benefits later if it results in more income.
Speak with a representative to determine the best option for you.
How Do I Apply for Survivor Benefits?
- Survivor benefits cannot be applied for online.
- Call 1-800-772-1213 to schedule an appointment.
- If you’re already receiving spouse benefits, your payments will automatically switch to survivor benefits, but you still need to apply for the one-time $255 death payment.
What If I’m Divorced?
You may still qualify as a surviving divorced spouse if:
- You were married to your former spouse for at least 10 years.
- You are age 60 or older, or 50 or older with a disability.
- You are currently unmarried, or remarried after age 60 (or 50 if disabled).
Note: You may also qualify for divorced spouse benefits even if your former spouse is still living.
