Can I collect my social security and widows benefits? This is a question that many individuals face after the loss of a spouse. Understanding the options available to you can help you make informed decisions about your financial future. In this article, we will explore the eligibility criteria, benefits, and the process of collecting both social security and widows benefits.
The Social Security Administration (SSA) offers various benefits to eligible individuals, including survivors benefits for widows and widowers. These benefits are designed to provide financial support to those who have lost a spouse and are unable to work. To determine your eligibility for these benefits, several factors must be considered.
Firstly, you must have been married to your deceased spouse for at least nine months, with the exception of certain circumstances. If you were married for less than nine months and your spouse passed away due to a work-related accident, you may still be eligible for survivors benefits. Additionally, you must be at least 60 years old to collect these benefits, although you can start receiving them as early as age 50 if you are disabled.
Widows benefits are available to surviving spouses who are not currently married or remarried before the age of 60. If you remarry after reaching the age of 60, you can still collect widows benefits. However, if you remarry before the age of 60, you may lose your eligibility for these benefits.
Social security benefits are calculated based on your deceased spouse’s earnings history. The amount you receive will depend on your spouse’s earnings record and the age at which you start collecting the benefits. It’s important to note that the earlier you start collecting benefits, the lower the monthly payment will be. Conversely, waiting until full retirement age (between 66 and 67, depending on your birth year) will result in a higher monthly payment.
When it comes to collecting both social security and widows benefits, you have a few options. You can choose to receive the higher of the two benefits, which may be your own social security benefit or your widows benefit. Alternatively, you can receive a combination of both benefits, depending on which one provides a higher monthly payment.
To apply for social security and widows benefits, you can visit the SSA website, call the toll-free number, or visit your local SSA office. It’s essential to gather all necessary documentation, such as your deceased spouse’s death certificate, marriage certificate, and identification documents, to ensure a smooth application process.
In conclusion, if you are eligible for both social security and widows benefits, you have the flexibility to choose the best option for your financial needs. Understanding the eligibility criteria, benefits, and application process can help you make informed decisions about your future. Don’t hesitate to reach out to the SSA for assistance and guidance throughout the process.
