Can You Collect Dead Spouse’s Social Security?
Grieving the loss of a loved one is an emotionally challenging time. However, it’s also a period when practical matters need attention, such as handling the deceased’s financial affairs. One such concern is whether you can collect Social Security benefits on the account of your deceased spouse. This article delves into this question, providing you with the necessary information to understand your options.
Understanding Social Security Benefits for Survivors
Social Security provides survivors benefits to eligible family members of deceased workers. These benefits are designed to help families maintain their standard of living after the loss of a primary earner. If you are the surviving spouse of a worker who has died, you may be eligible to receive Social Security benefits.
Eligibility for Collecting Dead Spouse’s Social Security
To be eligible for collecting Social Security benefits on your deceased spouse’s account, you must meet certain criteria:
1. Marriage Duration: You must have been married to your deceased spouse for at least nine months, excluding the month of death.
2. Age Requirement: You must be at least age 60. However, if you are caring for a child of the deceased, you may be eligible at age 50 or older.
3. Dependency: If you are disabled, you may be eligible for benefits as early as age 50, regardless of the length of your marriage or dependency.
Types of Social Security Benefits Available
There are several types of Social Security benefits available to surviving spouses:
1. Survivor’s Benefits: These are the most common type of benefits and are available to surviving spouses of deceased workers. The benefit amount is based on the deceased worker’s earnings history.
2. Survivor’s One-Time Death Benefit: This is a one-time payment of $255 to eligible surviving spouse or child(ren).
3. Survivor’s Annuity: If you remarry before age 60, you may still be eligible for a reduced survivor’s annuity based on your deceased spouse’s earnings record.
How to Apply for Benefits
To apply for Social Security benefits on your deceased spouse’s account, you can:
1. Apply Online: Visit the Social Security Administration’s website and complete the online application.
2. Call the Social Security Administration: You can call the toll-free number at 1-800-772-1213 to speak with a representative.
3. Visit a Local Office: You can visit your local Social Security office to apply in person.
Conclusion
Collecting Social Security benefits on your deceased spouse’s account can provide financial support during a difficult time. Understanding the eligibility requirements and the types of benefits available can help you navigate the process more smoothly. If you have questions or need assistance, don’t hesitate to contact the Social Security Administration for guidance.
