When a Social Security beneficiary dies, his or her surviving spouse is eligible for survivor benefits. A surviving spouse can collect 100 percent of the late spouse’s benefit if the survivor has reached full retirement age, but the amount will be lower if the deceased spouse claimed benefits before he or she reached full retirement age. (Full retirement age for survivor benefits differs from that for retirement and spousal benefits; it is currently 66 but will gradually increase to 67 over the next several years.) Show If you were already receiving spousal benefits on the deceased’s work record, Social Security will in most cases switch you automatically to survivor benefits when the death is reported. Otherwise, you will need to apply for survivor benefits by calling the Social Security Administration at 800-772-1213 or contacting your local Social Security office. How to Get More Out of Your Medicare & Social Security BenefitsThursday, Oct. 27, 1-4 p.m. ET Join AARP for this come-and-go online event where experts and thought leaders will answer questions and help guide you through benefit decisions. Highlights include:
Register Local offices fully reopened April 7 after being closed to walk-in traffic for more than two years due to the COVID-19 pandemic, but Social Security recommends calling in advance and scheduling an appointment to avoid long waits. In most cases, a widow or widower qualifies for survivor benefits if he or she is at least 60 and had been married to the deceased for at least nine months at the time of death. But there are a few exceptions to those requirements:
Whether you have wed again can also affect eligibility. If the remarriage took place before you turned 60 (50 if you are disabled), you cannot draw survivor benefits. You regain eligibility if that marriage ends. And there is no effect on eligibility for survivor benefits if you remarry at or past 60 (50 if disabled). The survivor benefit is generally calculated on the benefit your late spouse was receiving from Social Security at the time of death (or was entitled to receive, based on age and earnings history, if he or she had not yet claimed benefits). The actual amount of your payment will differ according to your age and family circumstance:
Keep in mind
A widow Surviving spouses are not the only ones who can qualify for a widow’s pension under the
Social Security Act of 1935. When we dig down into the details, there are others who can receive it besides the widow or widower. Other parties close to the deceased may also have a claim. There are specific rules and regulations, according to the Social Security Administration, regarding the payment of a widow’s pension. Here is a breakdown
of who can receive a widow’s pension and how the payment amounts are calculated. Consider working with a financial advisor to ensure that your retirement planning is as effective as it can be. What Is a Widow’s Pension? A
widow’s pension is a form of income distributed to the deceased person’s family, who are qualifying beneficiaries, after their death. It is given out by the Social Security Administration. The pension is funded by the taxpayers when they pay their payroll taxes. A portion of each payment automatically funds widow’s
pensions. The goal of the widow’s pensions is to ease the difficulty that suddenly living on one income might bring. In some cases, the family will be a one-wager-earner family and without the widow’s pension, the family would be thrown into poverty. If the spouse is retired, the income received from Social Security will be yet another income stream that will help support the family. Don’t confuse the widow’s pension with the small death benefit sent to the surviving spouse or family for everyone who has worked under the Social Security system. The death benefit is a one-time payment. The widow’s pension is paid monthly. Who Can Receive a Widow’s Pension?
Social Security application You can receive a widow’s pension if you are a widow or widower age 60 or older. If you are disabled, that drops down to age 50. If you choose to receive the pension at age 60, it will be reduced because that is not the full retirement age. If you wait until your full retirement age, then you will receive the entire pension. If you are disabled, you can receive full benefits if your disability started either seven years or more before the death or within a seven-year period of the death. Remarriage will not affect your widow’s pension in either case. You can receive a widow’s pension if you are the divorced spouse of a person who dies as long as you were married 10 or more years. Like in the previous case, your pension will not be affected if you remarry. You must be age 60 or age 50 if you are disabled. Your pension will be reduced if you choose to receive it before your full retirement date. If you are in a domestic partnership, you are not eligible to receive a widow’s pension even if domestic partnerships are legal in your state. If you are a surviving widow or widower, or a surviving divorced widow, and you are taking care of the minor child of the person who died, you can receive a full pension. That child must be disabled and under age 16. In this case, if you are divorced, you don’t have to meet the rule concerning the years you were married. If you are a widow in this same circumstance, you can receive benefits at any age. There is only one caveat. These situations will reduce the benefits anyone else in the household receives due to the death of a spouse. How Much Is a Widow’s Pension? The amount that a widow or a widower will draw every month depends on the situation. There are rules that try to cover all the possible scenarios. One size does not fit all. One factor is that the deceased worked and paid into Social Security. If you worked for at least 10 years, you can draw any Social Security benefit. In some cases, retired workers do not have to work that long. Here are the benefit amounts you would receive in different scenarios. Being divorced does not affect one’s qualification for this benefit. Amounts below are all stated as a percentage of the worker’s benefit:
The Bottom Line  An elderly widower A high percentage of older Americans live on nothing but Social Security income. If your spouse has paid into Social Security, you may be entitled to apply for widow’s (or widower’s) benefits. The widow’s pension at least assures family members of deceased workers that they will still have income in the case of one of the breadwinner’s death. As soon as possible after the death of a loved one, you should contact the Social Security Administration since it takes time for a widow’s pension to begin. Tips on Retirement
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What is a widows pension from social security
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