Do I Get My Deceased Spouse’s Social Security?
Losing a loved one is an incredibly difficult time, and the complexities of handling their affairs can add to the emotional burden. One common question that arises during this period is whether the surviving spouse is eligible to receive Social Security benefits from their deceased partner. This article aims to provide a comprehensive guide on understanding the eligibility criteria, types of benefits, and the application process for surviving spouses.
Eligibility for Deceased Spouse’s Social Security Benefits
To be eligible for Social Security benefits based on your deceased spouse’s record, you must meet certain criteria. Firstly, you must have been married to your deceased spouse for at least nine months, excluding the month of death. Secondly, you must be at least 60 years old, unless you are caring for a child of your deceased spouse who is under the age of 16 or disabled. Additionally, you must not be remarried, unless your subsequent marriage ended by death, divorce, or annulment.
Types of Benefits Available
There are several types of Social Security benefits available to surviving spouses, including:
1. Survivor’s Benefits: This is the most common type of benefit provided to surviving spouses. It replaces a portion of the deceased spouse’s earnings and is available to eligible surviving spouses, regardless of age.
2. Survivor’s One-Time Death Benefit: This benefit is a one-time payment of $255 to eligible surviving spouses or children. To receive this benefit, you must apply within two years of the deceased spouse’s death.
3. Dependent Child Benefits: If you have children who are under the age of 18 (or under 19 if they are attending high school full-time), you may be eligible for dependent child benefits. These benefits are based on the deceased spouse’s earnings record.
4. Surviving Divorced Spouse Benefits: If you were married to your deceased spouse for at least 10 years, you may be eligible for survivor’s benefits based on their earnings record, even if you are currently remarried.
Application Process
To apply for Social Security benefits, you can visit your local Social Security office, call the toll-free number at 1-800-772-1213, or apply online at www.socialsecurity.gov. When applying, you will need to provide the following documents:
1. Proof of identity, such as a driver’s license or passport.
2. Proof of age, such as a birth certificate or passport.
3. Proof of marriage, such as a marriage certificate.
4. Proof of the deceased spouse’s death, such as a death certificate.
Conclusion
Navigating the complexities of Social Security benefits for surviving spouses can be challenging. However, understanding the eligibility criteria, types of benefits, and the application process can help ease the burden during this difficult time. If you have any questions or require assistance, it is advisable to contact the Social Security Administration directly. Remember, seeking support from family, friends, or professional advisors can also be beneficial in navigating through these challenges.
