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: How long do Social Security survivor benefits last?

Q: How to report a death to Social Security

Benefits

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

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

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

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

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

Q: How does Social Security calculate the survivor benefit if my spouse dies before claiming 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: If I am getting a pension, can I still collect Social Security survivor benefits?

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

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

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?

Ask the AARP Experts

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

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Home & Real Estate

WayForth Home Transition Management

Free consultation and follow-up plan

learn more

See more Home & Real Estate offers >

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Intenta con otra ubicación","geoloc_mobile_list_cta":"LIST VIEW","geoloc_mobile_list_cta_spanish":"VISTA DE LA LISTA","geoloc_mobile_list_cta_url":"","geoloc_mobile_map_cta":"MAP VIEW","geoloc_mobile_map_cta_spanish":"VISTA DEL MAPA","geoloc_mobile_map_cta_url":"","geoloc_mobile_button_cta":"VIEW MORE","geoloc_mobile_button_cta_spanish":"VER MÁS","geoloc_mobile_button_cta_url":"","geoloc_show_results_within_label_text":"Show results within","geoloc_show_results_within_label_text_spanish":"Mostrar resultados dentro","geoloc_miles_label_text":"Miles","geoloc_miles_label_text_spanish":"Millas","geoloc_hide_see_more_button":"false","geoloc_hide_see_more_button_spanish":"false","rewardId":"","hide_r4g_badge":"","redemption_content":"","authentication_code_provider":"","authentication_code_provider_2":"","pixel_view_offer_value":"","pixel_learn_more_value":"","is_redeemable_only_in_person":false,"offer_keywords":["home organization discounts ","Declutter services","home storage solutions","wayforth","downsizing"],"offer_keywords_spanish":["Descuentos en servicios para el hogar","Mudanza a un lugar más pequeño","Soluciones para asuntos de almacenamiento en el hogar","Servicios para organizar","wayforth"],"deeplink_url":"/benefits-discounts/?offer=wayforth-home-transition-management","deeplink_param_value":"wayforth-home-transition-management","offer_page_path":"/benefits-discounts/all/wayforth-home-transition-management/","offer_page_data":"/content/aarpe/en/home/benefits-discounts/all/wayforth-home-transition-management/_jcr_content/.dataview.json","offer_page_modal":"/benefits-discounts/all/wayforth-home-transition-management.modalview/","dbr_offer_id":"dbc106d16739e68896e7bccb2d52cf8a","image_alt_text":"two women, little girl, tablet","vertical_image_alt_text":"two women, little girl, tablet","provider_logo_alt_text":"","provider_image_alt_text":"","offer_date_status":"n/a","image_url_width":"1140","image_url_height":"641","image_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/wayforth/1140x641-wayforth-grandmother-mother-child-boxes-tablet-plant-mar-2020.imgcache.rev00fcdf3d3f6fbbbe0eb98deb153432bb.jpg","vertical_image_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/wayforth/258x334-wayforth-grandmother-mother-child-boxes-tablet-plant-mar-2020.imgcache.rev11995ccb38821fcb3281ff0806a44032.jpg","vertical_image_url_width":"258","vertical_image_url_height":"334","provider_image_cdn_uri":"","provider_logo_cdn_uri":"","provider_image_width":"","provider_image_height":"","provider_logo_width":"","provider_logo_height":"","authentication_code_provider_url":"","authentication_code_provider_2_url":"","tags":[{"tagID":"dbr:homeandfamily","title":"Home & Real Estate","svgPathCdn":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/icons/icon-house_home e64c.imgcache.rev94ae2b92f0713f3c77987cd916a1bd75.svg","name":"homeandfamily","deeplink_url":"/benefits-discounts/?category=homeandfamily","deeplink_param_value":"homeandfamily","get_offers_url":"/etc/aarp/dbr/ws.api/offers/homeandfamily.json","sub_tags":[]}],"ltos":[],"lto_daysleft_start_control":30,"master_brand":"wayforth-home-transition-management","analytics_brand":"WayForth | WayForth Home Transition Management","analytics_offerid":"wayforth-home-transition-management","category_list":"homeandfamily","subcategory_list":"","dbr_offer_type":"discount","offer_timing":"anytime","parent_offer_page_path":"","taxonomy_general_category":"retirement","taxonomy_level_1":"retirement-living"},"parentOfferJson":{}}]}
Technology & Wireless

AT&T

Members can save monthly on qualified AT&T wireless plans

learn more

See more Technology & Wireless offers >

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","redemption_type":"yes","starts_on":1538366400,"created_by":"asi_admin1","country_code":"US","tab_label_offer_details":"Details","tab_label_restrictions":"Disclosures","restrictions_label":"Disclosures","restrictions":"AT&T Signature Program DisclaimersAT&T SIGNATURE PROGRAM DISCOUNTS: Available to qualified employees, students & other authorized individuals associated with eligible companies, universities & other sponsoring organizations with a qualifying service agreement (Business Agreement). Must validate eligible online or provide valid employee badge/paystub, student ID, or other approved proof of eligibility in authorized retail store & subscribe to service under an individual responsibility account for which the qualifying individual is personally liable. Discount subject to Business Agreement & may be interrupted, changed, or discontinued without notice. Additional restrictions apply. Credits/Discounts: Start w/in 2 bill cycles after service activation & eligibility confirmed. Applied after application of any available credit. Service discount: Req’s AT&T Unlimited Elite plan. $10 discount applied after the application of any available Autopay, paperless bill, only on phone lines 1 – 5. Any additional phone lines added over 5 and up to max of 10 reduces all phone line (including lines 1-5) discounts to $5/mo. per phone line. May not be stackable w/other oﬀers, credits or discounts. Exclusions: Military, Veterans, First Responders, Massachusetts Public Sector Employees, AT&T employees, EMO, IMO and FirstNet customers. May not be combinable with other select offers or promotions. AT&T UNLIMITED ELITE SM PLAN: All AT&T wireless services subject to terms and conditions in the Wireless Customer Agreement (att.com/wca). Phones only. Advertised monthly price includes monthly plan charge for talk, text and data & monthly per-line phone access charge for access to such services. OTHER RESTRICTIONS & FEES: Activation/upgrade fee per line (up to $45) & deposit may apply. AutoPay & Paperless Bill Discount: Monthly discount $10 per phone line when active & enrolled in both. AT&T employees, retirees & IMO consumers are not eligible for the AutoPay and Paperless bill discount. Discount starts w/in 2 bill cycles. Pay full plan cost until discount starts. UNLIMITED DATA: For use in the United States (the “Domestic Coverage Area” or “DCA”), Mexico and Canada. DATA RESTRICTIONS: After 100 GB of data usage on a line in a bill cycle, for the remainder of the cycle AT&T may temporarily slow data speeds on that line if the network is busy. 2G Off net data speeds may apply. All AT&T service is subject to AT&T network management policies. See att.com/broadbandinfo for details. 5G SERVICE: Requires a compatible 5G device. 5G service is not available everywhere. See att.com/5Gforyou for details. VIDEO STREAMING: Includes Stream Saver feature which allows you to stream higher definition video in Standard Definition on compatible devices (unless video provider has opted out). Stream Saver will not recognize all video content. Ability to stream and video resolution may vary and be affected by other factors. To enjoy access to High Definition video on compatible devices and when available, you can turn it off or back on at any time at att.com/myatt or call 611. Restrictions apply. Details at att.com/streamsaver. MOBILE HOTSPOT: Requires compatible device. Includes up to 30GB per line per month. After 30GB, mobile hotspot speed slowed to max of 128Kbps for the rest of bill cycle except Connected Cars (in car Wi-Fi/vehicle wi-fi hotspots). After this, mobile hotspot data usage will be impacted and not fully functional. AT&T CALLER ID: Compatible device required. ADVANCED MOBILE SECURITY: Compatible device required. You must download the AT&T Mobile Security app and AT&T Call Protect app and accept the terms and conditions for each before the services will go into effect. Data rates may apply. Details at <a href=\"http://www.att.com/securitycallprotect\" target=\"_blank\" data-overlay-msg=\"AARP.Everywhere.LeavingModal.drawOverlay(this,'',/mnt/overlay/wcm/core/content/sites/properties.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;\" data-default-element-msg=\"AARP.Everywhere.LeavingModal.drawOverlay(this,'',/mnt/overlay/wcm/core/content/sites/properties.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;\" data-displayoverlay=\"displayOverlay\" title=\"AT&T Website\">www.att.com/securitycallprotect</a>. UNLIMITED TALK: Phones only. Includes calls w/in and between DCA, Mexico & Canada. You may be charged for calls to special or premium service numbers and calls to other countries. For rates, see att.com/worldconnect. UNLIMITED TEXT: Compatible phone and rate plan required. Includes unlimited messages up to 1MB in size within and from DCA, Mexico and Canada. For texting to other countries, see att.com/text2world. Messages sent through applications may incur data or other charges. Advanced Messaging: Not available for use in Mexico and Canada. Other restrictions apply & can be found at att.com/advancedmessaging. LIMITS: Select devices only (sold separately). Max 10 devices/plan. AT&T Wireless Internet, select Wireless Home Phone devices, dedicated mobile hotspot devices, and select laptop air cards are not eligible for these plans. These plans may not be eligible for additional discounts, including but not limited to Signature discounts. AT&T employees & retirees may not be eligible for certain benefits, offers, and discounts associated with these plans. ADDITIONAL MONTHLY FEES & TAXES: Apply per line & include Regulatory Cost Recovery Fee (up to $1.50), Administrative Fee ($1.99) & other fees which are not government-required surcharges as well as taxes. Additional one-time Fees may apply. See <a href=\"https://www.att.com/mobilityfees\" target=\"_blank\" data-overlay-msg=\"AARP.Everywhere.LeavingModal.drawOverlay(this,'',/mnt/overlay/wcm/core/content/sites/properties.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;\" data-default-element-msg=\"AARP.Everywhere.LeavingModal.drawOverlay(this,'',/mnt/overlay/wcm/core/content/sites/properties.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;\" data-displayoverlay=\"displayOverlay\" title=\"AT&T Website\">att.com/mobilityfees</a> for more details.HBO MAX: Access HBO Max through HBO Max app on compatible device (sold separately) or on hbomax.com using compatible browser with your AT&T log-in credentials. Data rates may apply for app download/usage. New AT&T customers: visit att.com/myatt to create your account and obtain log-in credentials. Use of HBO Max is subject to its own terms and conditions, see hbomax.com/terms-of-use for details. If you have residential DIRECTV (excluding Puerto Rico), AT&T TV, U-Verse TV or AT&T TV NOW, HBO channels and HBO On Demand will also be added on that TV platform. May be billed and then credited (excluding PREMIER package on AT&T TV and AT&T TV NOW) on that TV platform within 2 bills. Programming and content subj. to change and benefit may be modified, discontinued or terminated at any time without notice. LOST ELIGIBILITY: Upon cancellation of eligible wireless plan you may lose access to HBO Max. LIMITS: Access to one HBO Max account per AT&T account holder. May not be stackable w/other offers, credits or discounts. AT&T employees and retirees are not eligible for the HBO Max Add-on offer. To learn more, visit att.com/hbomax. HBO Max is only accessible in the U.S. and certain U.S. territories where a high-speed broadband connection is available. 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","howto_redeem_already_registered_nonmember_label":"Already a member?","howto_redeem_already_registered_nonmember":"Link your membership","howto_redeem_already_registered_nonmember_link":"https://secure.aarp.org/applications/membershipChallenge/showChallengeForm.action?appName=account","howto_redeem_already_registered_anon_link":"https://login.aarp.org/online-community/loginform.action?custom=MBC&offer=att&referrer=https%3A%2F%2Fwww.att.com%2Fshopservlets%2Firulanding%3FiruToken%3DRIoTrGvHZHu2ly3uHnpnHb1iiuc8LpvuYIjOjJOJDyUO8KOJAEpv1PgPOG1pJlVzoDYAF8YNT7osObZiZdf7Pg%253D%253D%26src%3DMyAttSales","howto_redeem":"Learn More","howto_redeem_2":"Learn More","howto_redeem_url":"https://www.att.com/shopservlets/irulanding?iruToken=RIoTrGvHZHu2ly3uHnpnHb1iiuc8LpvuYIjOjJOJDyUO8KOJAEpv1PgPOG1pJlVzoDYAF8YNT7osObZiZdf7Pg%3D%3D&src=MyAttSales","howto_redeem_url_2":"","show_redeem_cta_2":false,"howto_redeem_desc":"Present your AARP membership card in-store or use your AARP login to shop on the AT&T website.","is_redeemable_in_person":"true","howto_redeem_in_person":"","howto_redeem_cta_phone":"","howto_redeem_phone_instructions":"","howto_redeem_online_instructions":"","show_state_availability":"","state_availability_text":"SEE AVAILABILITY IN YOUR STATE","cardlinked_flag":"","ty_interstitialText":"Thanks for visiting aarp.org! 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Intenta con otra ubicación","geoloc_mobile_list_cta":"LIST VIEW","geoloc_mobile_list_cta_spanish":"VISTA DE LA LISTA","geoloc_mobile_list_cta_url":"","geoloc_mobile_map_cta":"MAP VIEW","geoloc_mobile_map_cta_spanish":"VISTA DEL MAPA","geoloc_mobile_map_cta_url":"","geoloc_mobile_button_cta":"VIEW MORE","geoloc_mobile_button_cta_spanish":"VER MÁS","geoloc_mobile_button_cta_url":"","geoloc_show_results_within_label_text":"Show results within","geoloc_show_results_within_label_text_spanish":"Mostrar resultados dentro","geoloc_miles_label_text":"Miles","geoloc_miles_label_text_spanish":"Millas","geoloc_hide_see_more_button":"false","geoloc_hide_see_more_button_spanish":"false","rewardId":"","hide_r4g_badge":"","redemption_content":"","authentication_code_provider":"","authentication_code_provider_2":"","pixel_view_offer_value":"","pixel_learn_more_value":"","is_redeemable_only_in_person":false,"offer_keywords":["AT&T","cell phone","Unlimited plan","cell phone discounts","phone bill"],"offer_keywords_spanish":["AT&T","celular","plan ilimitado","descuentos en celulares","cuenta de teléfono"],"deeplink_url":"/benefits-discounts/?offer=atandt-10042","deeplink_param_value":"atandt-10042","offer_page_path":"/benefits-discounts/all/atandt-10042/","offer_page_data":"/content/aarpe/en/home/benefits-discounts/all/atandt-10042/_jcr_content/.dataview.json","offer_page_modal":"/benefits-discounts/all/atandt-10042.modalview/","dbr_offer_id":"e3e617edbf7692e070a1e83aa26e1c3f","image_alt_text":"Senior man using mobile phone in front of balcony","vertical_image_alt_text":"Senior man using mobile phone in front of balcony","provider_logo_alt_text":"AT&T Logo","provider_image_alt_text":"family selfie with tablet","offer_date_status":"n/a","image_url_width":"1140","image_url_height":"641","image_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/att/1140x641-att-man-phone-scarf-blazer-balcony-mar-2020.imgcache.rev5d134ee2843d83d55a9051a2483bcf80.jpg","vertical_image_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/att/258x334-att-man-phone-scarf-blazer-balcony-mar-2020.imgcache.reva17afd340c8f4b31cfc2d05c65f9c934.jpg","vertical_image_url_width":"258","vertical_image_url_height":"334","provider_image_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/asi/offers/ATT/ATTAARPBrandingPage755x192.imgcache.revf3a5a70671066c26ab15e7a7bf00d992.jpg","provider_logo_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/asi/offers/ATT/ATTGlobeATT.imgcache.revf752d64272b7c149526749d3ed9ff2b3.png","provider_image_width":"755","provider_image_height":"192","provider_logo_width":"634","provider_logo_height":"634","authentication_code_provider_url":"","authentication_code_provider_2_url":"","tags":[{"tagID":"dbr:technologyandwireless","title":"Technology & Wireless","svgPathCdn":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/icons/technology-01.imgcache.revc55d5b9369bfdf76fedd3f70cb1f662d.svg","name":"technologyandwireless","deeplink_url":"/benefits-discounts/?category=technologyandwireless","deeplink_param_value":"technologyandwireless","get_offers_url":"/etc/aarp/dbr/ws.api/offers/technologyandwireless.json","sub_tags":[]}],"ltos":[],"lto_daysleft_start_control":30,"master_brand":"atandt-10042","analytics_brand":"AT&T","analytics_offerid":"atandt-10042","category_list":"technologyandwireless","subcategory_list":"","dbr_offer_type":"discount","offer_timing":"anytime","parent_offer_page_path":"","taxonomy_general_category":"home-and-family","taxonomy_level_1":"personal-technology"},"parentOfferJson":{}}]}

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