Can You Collect Social Security from a Deceased Ex-Spouse?
Social security benefits are designed to provide financial support to individuals and their families in their retirement years. One often overlooked aspect of these benefits is the possibility of collecting social security from a deceased ex-spouse. This article delves into the details of whether you can collect social security from a deceased ex-spouse and the eligibility criteria you must meet.
Understanding the Basics
To be eligible for social security benefits from a deceased ex-spouse, you must have been married to the deceased ex-spouse for at least ten years. Additionally, you must be age 60 or older, or be caring for a child of the deceased ex-spouse who is younger than age 16 or disabled. It’s important to note that these benefits are not automatic, and you must apply for them.
Eligibility Criteria
If you meet the following criteria, you may be eligible to collect social security from a deceased ex-spouse:
1. You were married to the deceased ex-spouse for at least ten years.
2. You are currently age 60 or older, or you are caring for a child of the deceased ex-spouse who is younger than age 16 or disabled.
3. You have not remarried (if you have remarried, you may still be eligible if your current marriage ends through divorce or death).
4. You have not collected social security benefits on your own or your deceased ex-spouse’s record before age 60 (unless you are caring for a child of the deceased ex-spouse).
Benefits Amount
The amount of social security benefits you can collect from a deceased ex-spouse is based on the deceased ex-spouse’s earnings record. The benefit amount is the same as the deceased ex-spouse’s primary insurance amount (PIA), which is the amount they would have received at full retirement age. However, if you are eligible for your own social security benefits, the amount you receive from your deceased ex-spouse’s record may be reduced.
How to Apply
To apply for social security benefits from a deceased ex-spouse, you must complete an application with the Social Security Administration (SSA). You can apply online, by phone, or in person at your local SSA office. Be prepared to provide the following information:
1. Your Social Security number
2. Your birth certificate
3. Proof of your marriage and divorce
4. Proof of the deceased ex-spouse’s death (such as a death certificate)
5. Proof of your age and eligibility
Conclusion
In conclusion, you can collect social security from a deceased ex-spouse if you meet the eligibility criteria. Understanding the requirements and how to apply for these benefits can help ensure that you receive the financial support you need during your retirement years. Don’t hesitate to contact the SSA if you have any questions or need assistance with the application process.
