How to Collect Social Security from Deceased Spouse
Losing a loved one is an incredibly difficult time, and it can be overwhelming to navigate the complexities of handling their affairs. One of the important considerations after the passing of a spouse is understanding how to collect Social Security benefits from the deceased. This article provides a comprehensive guide on the process and important steps to follow.
Understanding Social Security Benefits for Deceased Spouses
Social Security benefits for deceased spouses are designed to provide financial support to surviving family members. The surviving spouse may be eligible for a survivors benefit, which is a monthly payment based on the deceased spouse’s earnings record. To be eligible, the surviving spouse must have been married to the deceased for at least nine months, unless the deceased spouse died while on active duty or due to a work-related injury.
Eligibility Requirements
Before applying for Social Security benefits from a deceased spouse, it is essential to understand the eligibility requirements. The surviving spouse must be at least 60 years old, or at least 50 years old if disabled. If the surviving spouse is caring for the deceased spouse’s child who is under 16 or disabled, they may be eligible for benefits at any age.
Applying for Benefits
To apply for Social Security benefits from a deceased spouse, you can do so online, by phone, or in person at your local Social Security office. Here are the steps to follow:
1. Gather necessary documents: You will need to provide a death certificate, proof of marriage, and your own identification documents, such as a driver’s license or passport.
2. Complete the application: You can apply online at www.ssa.gov, by calling 1-800-772-1213, or by visiting your local Social Security office.
3. Wait for approval: Once you submit your application, it will be reviewed, and you will be notified of the decision. If approved, you will receive your first payment within four to six months.
Calculating Benefits
The amount of Social Security benefits you receive from a deceased spouse depends on the deceased spouse’s earnings record. The maximum benefit amount is based on the deceased spouse’s earnings, and the survivor’s benefit is calculated as a percentage of that amount. The percentage may vary depending on the survivor’s age at the time of application.
Spousal Benefits for Divorced Spouses
If you were married to the deceased spouse for at least 10 years, you may still be eligible for Social Security benefits, even if you are divorced. The process and eligibility requirements are similar to those for surviving spouses, but there are some additional considerations for divorced individuals.
Conclusion
Collecting Social Security benefits from a deceased spouse can provide much-needed financial support during a challenging time. By understanding the eligibility requirements, applying for benefits, and calculating the amount of your benefit, you can ensure that you receive the support you deserve. If you have any questions or need assistance, do not hesitate to contact your local Social Security office for guidance.
