Start drawing on your Social Security earlier and then switch to survivors benefits when you reach full retirement age or Losing a spouse is one of the hardest things to go through. Among the many stresses of losing a loved one, lost wages can make life even more challenging.
Hopefully, understanding widow's benefits can help ease your mind as you work through the process. If you still have questions, you can always reach out to your financial planner or a Social Security representative for guidance. This site is for educational purposes. The material provided on this site is not intended to provide legal, investment, or financial advice or to indicate the availability or suitability of any Capital One product or service to your unique circumstances.
For specific advice about your unique circumstances, you may wish to consult a qualified professional. Young, J. February 07, Social Security. Anspach, D.
November 1, Social Security Benefits for widow's and Widowers. Here are some important things to keep in mind if you are going through the process: Who qualifies for Social Security spousal death benefits? What will you need when applying for widow's benefits? What benefits are widows entitled to? How long can a widow collect survivor benefits?
How much in survivors benefits can I collect? The examples below reflect the amount of benefits you could receive if you waited until full retirement age: If your spouse already started collecting their benefits before they passed, but were not at their full retirement age, then you will receive the greater of You are leaving AARP. Please return to AARP. You'll start receiving the latest news, benefits, events, and programs related to AARP's mission to empower people to choose how they live as they age.
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Javascript must be enabled to use this site. Please enable Javascript in your browser and try again. Now Reading:. Membership My Account. Rewards for Good. Share with facebook. Share with twitter. Share with linkedin. Share using email. If you are caring for children from the marriage who are under 16 or disabled, you can apply at any age. However, that person regardless of age can collect payouts as the caregiver for the deceased's children until they turn The kids themselves qualify for benefits paid to the surviving parent until they turn 18 or 19 if they are still in school.
But between the child's 18th birthday when their survivor benefits cease and the spouse's 60th birthday when their benefits resume , no one in the family is eligible to collect. That's what's known as a blackout period. For example, a woman is left widowed at the age of 30 with a two-year-old son. As her son's caregiver, she is entitled to collect Social Security benefits for 14 years, until his 16th birthday.
After that, her son continues to receive his survivor benefits for two more years, until he's His mom will be 48 at that point, leaving the family ineligible for any payments until her widow's benefits become available when she's In this case, the Social Security blackout period lasts 12 years.
One possible solution is for families to make sure they have adequate life insurance to support a surviving spouse during any blackout period. Take, for instance, a couple, both 31 years old, who recently had a child. If either parent dies, the surviving spouse is eligible to collect benefits until they are 47 years old when the child is If they both buy year term life insurance policies and keep up with the premiums, they'll be assured of coverage until age 61—one year after Social Security eligibility is reinstated—in case one of them dies.
If three or more family members are receiving survivor benefits, they may be subject to Social Security's rules that limit the maximum family benefit. Because individual circumstances can vary widely, it is not possible to apply for survivor benefits online. However, you can apply over the phone or by appointment at your local Social Security office.
Current requirements and contact information are always available on the Social Security Administration website. Applying for survivor benefits may require you to submit specific documents, such as a death certificate, marriage certificate, proof of citizenship, or a divorce decree, so rounding them up beforehand will help expedite the process.
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