Social Security is a core part of retirement income planning for most retirees. It’s role as a safety net for surviving family members is often overlooked. Survivor’s benefits replace lost household income upon the death of a working family member, this can serve as essential financial protection for the surviving family members.
As of the end of 2025, some 5.8 million survivors or deceased workers were receiving survivors benefits. These beneficiaries include surviving spouses, children, eligible parents, and others.
Social Security for surviving spouses
Widows and widowers can collect full benefits at their full retirement age (FRA) which is age 67 for those born in 1960 or later. Reduced benefits can start as early as age 60 as long the couple had been married for at least nine months prior to the deceased souse’s death. Note claiming survivor’s benefits prior to the surviving spouse’s own FRA will permanently reduce their monthly survivor benefits payment.
A surviving spouse claiming survivor’s benefits at age 60 will receive 71.5% of the deceased spouse’s primary insurance amount (PIA). This increases incrementally with those claiming survivor’s benefits at age 67 receiving 100% of the deceased spouse’s PIA.
A widow or widower who is caring for a child under age 16 or who has a disability regardless of the child’s age may also qualify for survivor’s benefits. They will collect at 75% of the deceased spouse’s PIA.
A surviving spouse collecting survivor’s benefits in their 50s due to a disability can collect 71.5 of their late spouse’s benefit.
A key point here is that the Social Security Administration will review the surviving spouse’s own benefit (if they are eligible) versus the survivor’s benefit from the deceased spouse, the surviving spouse will receive the higher of the two benefits.
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Social Security for surviving ex-spouses
A surviving divorced spouse can generally collect survivor’s benefits from a deceased ex-spouse as long as their marriage lasted for at least ten years and if they had not remarried prior to age 60. An ex-spouse collecting benefits has no impact on payments to the deceased person’s current spouse at the time of their death.
Social Security for children 17 and younger
Unmarried children may qualify for survivor’s benefits based on their deceased parent’s work record. Typically children who are age 17 or younger are eligible. Payments will typically continue until age 18 or 19 as long as the child is still a full-time high school student.
Disabled adult children can receive benefits into adulthood as long as their disability began prior to age 22.
There are special circumstances in which married children, stepchildren, adopted children, grandchildren, and step-grandchildren may also qualify for survivor’s benefits.
More retirement:
Social Security for dependent parents
If you are at least age 62 and your child provided at least half of your financial support prior to their death, then you (and possibly your spouse) may qualify for survivor benefits. You will need to be able to verify the financial support received from your deceased adult child while they were still alive.
Other issues
In some cases your situation may make you ineligible for spousal survivor’s benefits. These might include:
You remarry prior to age 60.
You are disabled and you remarry prior to age 50.
The deceased spouse didn’t earn enough Social Security credits to qualify for benefits.
There are several factors that could potentially reduce your spousal survivor’s benefits, including:
If you are enrolled in Medicare, premiums for some or all of your coverage might be deducted from your benefit payments.
Starting survivor’s benefits before your FRA could subject you to reduced benefits if your earnings from work or elsewhere are too high. This stops once you reach your FRA and any reduced benefits will be added into your future benefit payments.
Depending upon your earnings level, some of your survivor’s benefits could be subject to taxes as part of your overall taxable income.
Related: Spousal Social Security benefits an option for married couples, exes
This story was originally published by TheStreet on Aug 28, 2026, where it first appeared in the Personal Finance section. Add TheStreet as a Preferred Source by clicking here.
