Can spouse collect social security of deceased spouse? This is a question that many individuals ponder, especially when they are dealing with the loss of a loved one. Understanding the Social Security benefits available to surviving spouses can provide some financial relief during a difficult time.
Social Security benefits are designed to provide financial support to individuals who have worked and paid into the Social Security system. When a spouse passes away, the surviving spouse may be eligible to receive benefits based on the deceased spouse’s earnings record. Here’s an overview of the different types of Social Security benefits that a surviving spouse can collect.
Survivor’s Benefits
Survivor’s benefits are the most common form of Social Security benefits available to a surviving spouse. These benefits are available to a surviving spouse who is at least age 60 or at any age if they are caring for a child who is disabled or under age 16. The amount of survivor’s benefits a surviving spouse receives is based on the deceased spouse’s earnings record.
Spousal Benefits
Spousal benefits are available to a surviving spouse who has not remarried and is at least age 62. If the surviving spouse has reached full retirement age, they can receive full benefits. If they choose to start receiving benefits before reaching full retirement age, their benefits will be reduced. However, if the surviving spouse waits until full retirement age to start receiving benefits, they can receive the full amount without any reduction.
Surviving Divorced Spouse Benefits
Surviving divorced spouses may also be eligible for Social Security benefits based on their former spouse’s earnings record. To qualify, the surviving divorced spouse must have been married to the deceased spouse for at least 10 years and must be at least age 62. If the surviving divorced spouse remarries before age 60, they may still be eligible for benefits based on their former spouse’s record.
Surviving Divorced Spouse Benefits for Unmarried Children
Surviving children of a deceased spouse may also be eligible for Social Security benefits. If the deceased spouse had children under age 18, or under age 19 if they are attending high school full-time, they may receive survivor’s benefits. The amount of benefits the children receive is based on the deceased spouse’s earnings record.
How to Apply for Social Security Benefits
To apply for Social Security benefits, the surviving spouse can visit the Social Security Administration’s website or contact their local Social Security office. It’s important to apply for benefits as soon as possible, as there may be a delay in receiving payments if the application is submitted after the death of the deceased spouse.
In conclusion, a surviving spouse can indeed collect Social Security benefits based on the deceased spouse’s earnings record. Understanding the different types of benefits and how to apply for them can help ensure that the surviving spouse receives the financial support they need during this challenging time.
