Does a surviving spouse collect social security?
Social security is a crucial aspect of financial security for many individuals, especially for surviving spouses who may find themselves in need of financial support after the loss of a loved one. Understanding how social security benefits work for surviving spouses is essential for ensuring that they receive the financial assistance they deserve. In this article, we will explore the question of whether a surviving spouse can collect social security and what they need to know about the process.
Eligibility for Surviving Spouse Social Security Benefits
A surviving spouse may be eligible to receive social security benefits based on their deceased spouse’s earnings record. To qualify, the surviving spouse must meet certain criteria:
1. Marriage Duration: The surviving spouse must have been married to the deceased for at least nine months, excluding the month of death.
2. Age Requirement: The surviving spouse must be at least 60 years old, or 50 years old if they are disabled.
3. Widow or Widower Status: The surviving spouse must not have remarried before the age of 60 (or 50 if disabled).
Types of Surviving Spouse Social Security Benefits
There are two types of social security benefits available to surviving spouses:
1. Survivor’s Benefits: These benefits are paid to the surviving spouse if they are age 60 or older, or at any age if they are disabled and have been disabled for at least a year. The amount of the benefit is based on the deceased spouse’s earnings record and the surviving spouse’s age at the time of applying.
2. Spousal Benefits: These benefits are available to surviving spouses who are younger than full retirement age and are not yet eligible for survivor’s benefits. The amount of the benefit is based on the deceased spouse’s earnings record, but the surviving spouse’s own earnings record is not considered.
How to Apply for Surviving Spouse Social Security Benefits
To apply for surviving spouse social security benefits, the surviving spouse must complete and submit Form SSA-10, “Application for Social Security Benefits.” This form can be obtained by visiting the Social Security Administration’s website, calling their toll-free number (1-800-772-1213), or visiting a local Social Security office. It is important to apply for benefits as soon as possible, as there may be a delay in receiving the first payment.
Conclusion
In conclusion, a surviving spouse may indeed collect social security benefits based on their deceased spouse’s earnings record. Understanding the eligibility requirements, types of benefits available, and the application process is essential for ensuring that surviving spouses receive the financial support they need during their time of grief. By familiarizing themselves with these details, surviving spouses can navigate the social security system and secure the benefits they are entitled to.
