Exploring the Rights of Surviving Spouses- Can They Receive Social Security Benefits-

Can a Surviving Spouse Get Social Security?

Social Security is a crucial financial support system for millions of Americans, providing income during retirement, disability, or upon the death of a worker. One of the most common questions among surviving spouses is whether they can receive Social Security benefits. The answer is a resounding yes. This article delves into the details of how surviving spouses can qualify for Social Security benefits and the various types of benefits available to them.

Understanding Surviving Spouse Benefits

Surviving spouse benefits are designed to provide financial support to the surviving spouse of a deceased worker who has earned sufficient Social Security credits. These benefits are available to eligible surviving spouses regardless of their age, as long as they meet certain criteria.

Eligibility Requirements

To qualify for surviving spouse benefits, the surviving spouse must meet the following requirements:

1. Marriage Duration: The surviving spouse must have been married to the deceased worker for at least nine months before the worker’s death.
2. Age Requirement: The surviving spouse must be at least age 60 or older. However, if the surviving spouse is caring for the deceased worker’s child who is under age 16 or disabled, they can receive benefits as early as age 50.
3. Deceased Worker’s Earnings: The deceased worker must have earned sufficient Social Security credits, which are based on their earnings history.

Types of Surviving Spouse Benefits

There are several types of surviving spouse benefits available, including:

1. Widow/Widower Benefits: These benefits are available to surviving spouses who are at least age 60 or older. The surviving spouse can receive benefits equal to the deceased worker’s full retirement age benefit amount.
2. Surviving Divorced Spouse Benefits: If the surviving spouse was married to the deceased worker for at least 10 years, they may be eligible for benefits based on the deceased worker’s earnings.
3. Surviving Divorced Spouse Benefits for Divorced Spouses: Divorced surviving spouses who were married to the deceased worker for at least 10 years may also be eligible for benefits based on the deceased worker’s earnings.
4. Surviving Child Benefits: Children of the deceased worker may be eligible for Social Security benefits if they are under age 18 or disabled.

How to Apply for Surviving Spouse Benefits

To apply for surviving spouse benefits, the surviving spouse must complete and submit Form SSA-10, “Social Security Benefits Application.” This form can be submitted online, by phone, or in person at a local Social Security office. It’s important to note that there is no need to pay for assistance when applying for Social Security benefits.

Conclusion

In conclusion, surviving spouses have access to various Social Security benefits that can provide financial stability in the face of loss. By understanding the eligibility requirements and types of benefits available, surviving spouses can ensure they receive the support they need during this challenging time. If you or someone you know is a surviving spouse, it’s important to explore your options and seek guidance from the Social Security Administration to ensure you receive the benefits you deserve.