Social Security Survivors

En español | Social Security is not just a guaranteed income for retired workers; it's also a form of insurance for families when those workers die. Today, Social Security pays monthly survivor benefits to more than 4 million widows and widowers (including divorced former spouses) and nearly 1.9 million children of deceased wage earners.

In the AARP Social Security Resource Center, you’ll find practical information about how Social Security works when a worker dies, including:

Steps to take to report a death and begin collecting survivor benefits
How Social Security determines eligibility and calculates payments
How age and marital status affect what you collect

Basics

Q: How do survivor benefits work?

Q: How does Social Security work when a spouse dies?

Q: Who gets a Social Security death benefit?

Q: Do survivor benefits expire if you don't claim them at the earliest eligibility age?

Q: How long do Social Security survivor benefits last?

Q: How to report a death to Social Security

Benefits

Q: My spouse died last month. Do I have to return the Social Security payment sent to the bank this month?

Q: How do I make the change from Social Security survivor benefits to my Social Security retirement benefit?

Q: What are my options if I am eligible for both a Social Security retirement benefit and a survivor benefit?

Q: Does the age I start my Social Security retirement benefit affect the amount my spouse will collect when I die?

Q: How does Social Security calculate the survivor benefit if my spouse dies before claiming Social Security?

Q: If I am getting a pension, can I still collect Social Security survivor benefits?

Q: Can Social Security benefits go to the estates of beneficiaries who've died?

Q: Can I collect both my own retirement benefit when I turn 62 and a survivor benefit?

Q: When people die before applying for benefits, what happens to the money they contributed to Social Security?

Q: My Social Security benefit is reduced because I collect a government pension. Will my spouse's survivor benefits be reduced too?

Q: Are survivor benefits reduced for a Postal Service employee's survivor?

Children & Family

Q: Can my children get my Social Security benefits when I die?

Q: Can the parents of a deceased Social Security recipient get survivor benefits?

Q: Can children who collected survivor benefits continue to receive the money while in college?

Spouses & Ex-Spouses

Q: Can I collect Social Security survivor benefits if my former spouse dies?

Q: Can I collect my deceased spouse's Social Security and my own at the same time?

Q: What happens to my Social Security survivor benefits if I remarry?

Q: Can I collect Social Security survivor benefits as a divorced spouse and wait to claim my own retirement benefit?

Q: When someone who was married more than once dies, who is eligible for their Social Security benefits?

Q: I was widowed from my first spouse and divorced from my second. Can I claim benefits on either one's record?

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Didn't find the answer to your Social Security question? Submit your question here.

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