Navigating Social Security Benefits- How to Collect on Your Spouse’s Account After Their Passing

When a spouse dies, the surviving partner may be eligible to collect their Social Security benefits. This can be a crucial financial support system during a time of loss and transition. Understanding the process and the benefits available can help ease the burden and ensure that the surviving spouse is taken care of financially.

The Social Security Administration (SSA) offers several types of benefits for surviving spouses, including survivor’s benefits, survivor’s insurance, and survivor’s auxiliary benefits. These benefits are designed to provide financial support to the surviving spouse and dependents of a deceased worker.

Survivor’s Benefits:

Survivor’s benefits are available to the surviving spouse of a deceased worker if they were married for at least nine months prior to the worker’s death. These benefits are based on the deceased worker’s earnings history and are available at full retirement age, which is currently 66 to 67 years old, depending on the year of birth.

If the surviving spouse is younger than full retirement age, they may still be eligible to receive reduced benefits. However, if they are disabled and have been disabled for at least a year, they may qualify for survivors’ benefits at any age.

Survivor’s Insurance:

Survivor’s insurance is a one-time payment of $255 to help cover funeral expenses. This benefit is available to the surviving spouse, children, and eligible parents of the deceased worker. To receive this payment, the surviving spouse must apply within two years of the worker’s death.

Survivor’s Auxiliary Benefits:

Survivor’s auxiliary benefits are available to the surviving spouse of a deceased worker if they are caring for the worker’s child who is disabled or under the age of 18. These benefits are based on the deceased worker’s earnings and are available at full retirement age.

How to Apply for Social Security Benefits:

To apply for Social Security benefits, the surviving spouse can visit the SSA’s website, call the SSA at 1-800-772-1213, or visit a local SSA office. It is important to have the deceased worker’s Social Security number, death certificate, and proof of identity and age when applying.

Understanding the Benefits:

Understanding the Social Security benefits available to surviving spouses can help ensure that they receive the financial support they need during a difficult time. It is important to consult with a financial advisor or the SSA to determine the best course of action and to maximize the benefits received.

In conclusion, when a spouse dies, the surviving partner may be eligible to collect their Social Security benefits. By understanding the types of benefits available and the application process, the surviving spouse can ensure that they receive the financial support they need to move forward.