Can a spouse collect social security from a deceased spouse? This is a question that often arises when a loved one passes away and their surviving spouse is left to manage their financial affairs. Understanding the Social Security benefits available to surviving spouses can provide much-needed financial support during a difficult time.
Social Security benefits are designed to provide financial assistance to individuals and their families after retirement or in the event of a disability. When a spouse passes away, the surviving spouse may be eligible to receive certain benefits from the deceased spouse’s Social Security account. Here’s an overview of the benefits available and how to apply for them.
Survivor’s Benefits
Survivor’s benefits are available to the surviving spouse of a deceased worker who has paid into Social Security. To qualify, the surviving spouse must have been married to the deceased for at least nine months, unless the deceased spouse died due to a work-related injury or illness. The surviving spouse must also be at least 60 years old or caring for a child of the deceased who is under 16 or disabled.
Survivor’s benefits can be collected as early as age 60, but the amount of the benefit is reduced if the surviving spouse begins receiving benefits before reaching full retirement age (FRA). If the surviving spouse is caring for a child of the deceased, they may be eligible to receive survivor’s benefits as early as age 50.
Spousal Benefits
In addition to survivor’s benefits, a surviving spouse may also be eligible for spousal benefits based on the deceased spouse’s earnings record. To qualify for spousal benefits, the surviving spouse must be at least 62 years old. If the surviving spouse remarries before reaching age 60, they may still be eligible for spousal benefits based on the deceased spouse’s record.
The amount of the spousal benefit is based on a percentage of the deceased spouse’s primary insurance amount (PIA), which is the amount the deceased spouse would have received at full retirement age. The percentage varies depending on the surviving spouse’s age at the time of application.
How to Apply for Benefits
To apply for survivor’s or spousal benefits, the surviving spouse must complete an application with the Social Security Administration (SSA). The application can be submitted online, by phone, or in person at a local SSA office. It’s important to gather all necessary documentation, such as the deceased spouse’s death certificate and proof of identity, to ensure a smooth application process.
It’s worth noting that the surviving spouse may choose to receive either survivor’s benefits or spousal benefits, but not both. The choice depends on which benefit provides a higher monthly payment.
In Conclusion
Can a spouse collect social security from a deceased spouse? The answer is yes, under certain circumstances. Understanding the available benefits and how to apply for them can help ensure that the surviving spouse receives the financial support they need during this challenging time. It’s always advisable to consult with a financial advisor or SSA representative to determine the best course of action for your specific situation.
