What You Should Know About Social Security if Your Spouse Passes Away
Reading Time: 3 MinutesLast Updated: May 29, 2025
The death of a spouse is among the most stressful life events. Losing a spouse can be devastating both emotionally and financially. You can depend on us during this difficult time.
Can I get surviving spouse benefits?
When your spouse passes away, you may be able to get benefits as a surviving spouse – even if you’re divorced. Eligibility depends on several factors:
- Age – You may be eligible for survivor benefits:
- If you are age 60 or older.
- As early as age 50, if you have a disability and are unable to work.
- At any age if you’re caring for your deceased spouse’s child who is younger than 16 or who developed a disability before age 22. Note: Children (including stepchildren, grandchildren, step-grandchildren, and adopted children) may be eligible for survivor benefits, too.
- Employment – You may be able to work and get survivor benefits. It depends on your age and how much you’re earning. If you’re younger than full retirement age, you’re subject to an earnings limit. To learn more about working and getting benefits, read this blog article.
- Benefit status – If you already receive retirement or disability benefits on your own work record, you may be due survivor benefits if they’re greater than your own. You won’t receive both – you’ll get the higher amount.
How much will I get as a surviving spouse?
Social Security benefits are based on a worker’s lifetime earnings. As a surviving spouse, you may receive between 71.5% and 100% of your deceased spouse’s benefit. The longer you wait to apply – up until your full retirement age – the higher your monthly benefit amount will be.
When should I apply for survivor benefits?
When your spouse dies, we recommend you call us right away at 1-800-772-1213 about our $255 lump sum death payment. You’ll also want to discuss monthly benefits for you and your family.
You have options. You may be able to get benefits as a surviving spouse while delaying your own retirement benefit, if it’s higher. Or, you may want to receive a reduced retirement benefit, then wait until later to apply for a higher survivor benefit.
Please contact us to speak with a representative so you can decide what’s best for you.
How do I apply for survivor benefits?
You must make an appointment by calling us at 1-800-772-1213.
If you already receive spouse benefits, you will automatically be converted to surviving spouse benefits. No application is needed. However, you should contact us to apply for the one-time only $255 lump sum.
You cannot apply for survivor benefits online.
What if I’m divorced?
You may be able to get benefits as a surviving divorced spouse if you were married at least 10 years, even if your spouse had remarried. You must be at least age 60, or 50 if you’re disabled, and you must be single – unless your remarriage occurred after age 60. Note: We may be able to pay divorced spouse benefits while your former spouse is living.
For more information, check out our Survivors Benefits publication and our Survivor benefits page. Please call us if you have questions or to schedule an appointment for yourself or a child.
Please share this important information with your loved ones and other surviving spouses – and post on social media.
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Tags: Social Security benefits, survivors benefits
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Ila
I recieve social security for 12yrs now and I want to get married. The future spouse is NOT a social security recipient. Will my benefits be affected?
Stacey K.
I am currently receiving SSI payments. My husband was receiving social Security. When he died his funds stopped and my SSI increased. When applying for survivor benefits I was told I had to take survivor benefits instead of continuing my SSI and not receiving survivor benefits. Is this accurate? I prefer to stay on SSI and not receive survivor benefits even though the benefits are $60 more income.
Kimberly T.
If I have just gotten married, and my husband suddenly passes away, would I be able to receive any and what of his Social Security?
Dianne V.
I was married for 41 years when my husband died. Four years later, I’ve just remarried. Do I lose my deceased husbands benefits?
Carlos E.
Would my spouse receive social security if I pass
Nancy S.
My mother has been waiting 3 months to receive survivor benefits. She was already receiving benefits under my father’s income, notified SS immediately after his death, and was told the benefits would automatically convert his higher benefit. How much longer will she have to wait? We’ve called the local office multiple times, and no one can explain the reason for the delay and how much longer it will be. Her current SS check puts her below federal poverty level, she’s draining her savings account, and won’t be able to pay rent soon. Please help!
Johnny
My wife died on May 2nd SS interceped her check for march I called and SS office said yes she was supposed to get her march check I have fill out the papers and sent them in but still no check ??
Edwin K.
I receive 100% VA Disability.
I receive X amount in SS Benefits.
My wife receives a lesser amount in SS.
If I pass, does she lose her SS?
Then, will she receive a portion of my SS or the full amount?
Then, what percentage of my VA Disability will she receive?
Then will she be eligible for any additional benefits including housing allowance or assisted care?
Mary Z.
If your ex is still alive and is working past 70 doing taxes and have been married over 40 years to him, may I receive any of his Social Security now since he made more money. I am receiving my Social Security?
Maryan J.
Yes, you should be eligible for half of his benefit at his Full Retirement Age. If he predeceases you, you should be eligible for his current benefit at the time. These would replace your benefit so only do it if his would be more than yours.