Can Ex-Wife Collect Deceased Husband’s Social Security?
In the event of a spouse’s passing, the surviving ex-wife may be eligible to receive Social Security benefits from her deceased husband. This article explores the conditions under which an ex-wife can collect these benefits and the process involved.
Eligibility for Ex-Wives to Collect Deceased Husband’s Social Security
To be eligible for Social Security benefits from a deceased husband, an ex-wife must meet certain criteria. According to the Social Security Administration (SSA), the following conditions must be satisfied:
1. The marriage must have lasted at least 10 years.
2. The ex-wife must be at least 60 years old (or 50 years old if she is disabled).
3. The ex-wife must not be remarried, or if she is remarried, her current spouse must have passed away.
If an ex-wife meets these requirements, she may be eligible to receive survivor benefits, which are a portion of the deceased husband’s Social Security benefits.
Types of Benefits Available to Ex-Wives
There are two types of Social Security benefits that an ex-wife may be eligible to receive:
1. Survivor Benefits: These benefits are paid to a surviving spouse or ex-spouse based on the deceased worker’s earnings record. An ex-wife can receive survivor benefits at her full retirement age, which is between 66 and 67, depending on the year of birth.
2. Divorced Spouse Benefits: If the ex-wife meets the requirements for survivor benefits but chooses not to take them, she may still be eligible for divorced spouse benefits. These benefits are based on the deceased husband’s earnings record and are available at age 62, with reduced benefits available earlier.
How to Apply for Benefits
To apply for Social Security benefits as an ex-wife, the following steps should be taken:
1. Contact the SSA to inquire about eligibility and to request an application form.
2. Gather necessary documentation, such as proof of marriage, divorce, age, and any other relevant information.
3. Complete the application form and submit it to the SSA, either online, by mail, or in person at a local SSA office.
4. Wait for the SSA to process the application and make a determination on the eligibility for benefits.
Conclusion
In conclusion, an ex-wife may be eligible to collect Social Security benefits from her deceased husband under certain conditions. By meeting the necessary requirements and following the proper application process, an ex-wife can secure financial support during her retirement years. It is important for ex-wives to understand their rights and obligations regarding Social Security benefits to ensure they receive the assistance they deserve.
