Can you collect social security on your deceased ex-husband? This is a question that many surviving spouses often find themselves asking. The answer to this question can have significant financial implications for those who are eligible. In this article, we will explore the rules and regulations surrounding collecting social security benefits on a deceased ex-husband’s account.
The Social Security Administration (SSA) allows surviving spouses to collect benefits on the deceased ex-husband’s record under certain circumstances. To be eligible for these benefits, you must meet the following criteria:
1. Marriage Duration: You must have been married to your ex-husband for at least 10 years.
2. Age Requirement: You must be at least age 60 or older, or at least age 50 if you are disabled.
3. No Current Spouse: You must not be currently married or living with someone as your spouse.
4. No New Marriage: You cannot remarry before age 60 unless you are disabled, in which case you can remarry without losing your benefits.
If you meet these requirements, you have two options for collecting social security benefits:
1. Survivor’s Benefit: This is a monthly benefit that you can start receiving as early as age 60. The amount you receive is based on your ex-husband’s earnings record, and it will be the same amount he would have received if he had claimed his benefits at full retirement age.
2. Divorced Spouse’s Benefit: If you are eligible for your own retirement benefits, you can choose between your own benefits and the divorced spouse’s benefits. The divorced spouse’s benefit is typically lower than your own, but it may still be an option if it provides a higher monthly payment.
It’s important to note that there are limitations on collecting benefits on a deceased ex-husband’s record. For example, if you remarried before age 60, you would not be eligible for survivor’s benefits. Additionally, if you remarried after age 60, you would still be eligible for survivor’s benefits, but you would need to choose between the benefits from your deceased ex-husband or your current spouse.
If you are considering applying for social security benefits on your deceased ex-husband’s record, it’s crucial to understand the application process. You can apply online, by phone, or in person at your local SSA office. Be prepared to provide documentation such as your marriage and divorce certificates, your ex-husband’s death certificate, and proof of your age and disability status if applicable.
In conclusion, if you can meet the eligibility requirements, you can indeed collect social security on your deceased ex-husband. However, it’s essential to understand the rules and regulations surrounding these benefits to ensure you receive the maximum amount you are entitled to. Consulting with a financial advisor or a social security expert can provide you with personalized guidance and help you navigate the process with ease.
