Can I Collect Social Security from My Deceased Ex-Husband?
Losing a loved one is an incredibly difficult experience, and the financial implications can add to the emotional burden. If you are a surviving spouse, you may be wondering whether you can collect Social Security benefits from your deceased ex-husband. This article will provide you with information on how to determine if you are eligible for these benefits and what steps you need to take to claim them.
Eligibility for Social Security Benefits
To be eligible for Social Security benefits from your deceased ex-husband, you must meet certain criteria. According to the Social Security Administration (SSA), you may be eligible if:
1. You were married to your ex-husband for at least 10 years.
2. You are currently unmarried.
3. You are at least 60 years old (age 50 if you are disabled).
4. Your ex-husband has already qualified for Social Security benefits.
If you meet these requirements, you may be eligible to receive a survivors benefit, which is a monthly payment based on your ex-husband’s work history.
How to Apply for Social Security Benefits
To apply for Social Security benefits from your deceased ex-husband, you will need to follow these steps:
1. Gather necessary documents: This includes your identification, proof of marriage, your ex-husband’s death certificate, and any other relevant documents.
2. Contact the SSA: You can apply for benefits by calling the SSA at 1-800-772-1213 or visiting your local SSA office.
3. Complete the application process: The SSA will guide you through the application process, which may include verifying your identity and confirming your eligibility.
4. Wait for approval: Once your application is submitted, the SSA will review your eligibility and process your application. If approved, you will begin receiving monthly benefits.
Understanding the Amount of Benefits
The amount of Social Security benefits you receive from your deceased ex-husband will depend on several factors, including:
1. Your ex-husband’s earnings history: The higher his earnings were, the higher your benefit will be.
2. The age at which you start receiving benefits: If you start receiving benefits at your full retirement age, your benefit amount will be the highest. If you start receiving benefits early, your monthly payment will be reduced.
3. The age at which your ex-husband passed away: If your ex-husband passed away before reaching full retirement age, your benefit amount may be lower.
Conclusion
Losing a loved one is a challenging time, but knowing that you can collect Social Security benefits from your deceased ex-husband can provide some financial security. By understanding the eligibility requirements and the application process, you can ensure that you receive the benefits you are entitled to. If you have any questions or need assistance, don’t hesitate to contact the SSA for help.
