How do Social Security survivor benefits work, and how much can you receive? Here's what family members need to know.
Who qualifies for Social Security survivor benefits?
With each paycheck, workers pay Social Security taxes throughout their careers that help fund benefits for retirees; part of these taxes also go toward survivor benefits when a recipient has died and their family members need continued financial support.
Those who may be eligible for survivor benefits include:
Widows and widowers
You may be entitled to 100% of your deceased spouse's basic benefit if you're at full retirement age—that's 67 for
If you're already receiving benefits based on your spouse's wages, they'll be changed to survivor benefits after you report their death.
Surviving divorced spouses
If you were
Unmarried children up to the age of 19 if still attending elementary or secondary school also can receive survivor benefits. The benefits also apply to children of any age who incurred a disability before age 22. A worker's stepchildren, grandchildren, step-grandchildren or adopted children also may be able to obtain benefits in certain cases.
Important to note
In addition to the above requirements, eligibility depends on the number of "credits" the deceased had acquired, as well as their age when they passed away. Workers can receive up to four credits in a given year, based on their earnings. For 2022, an individual receives one credit for every $1,510 of wages or income from employment. Workers don't obtain additional credits for income in excess of $6,040 per year.
Generally, the younger a worker is when they pass on, the fewer years they need to have worked for survivor benefits to kick in. The rules vary based on your relationship to the deceased, so you may wish to speak with a claims representative or visit
How much are Social Security survivor benefits?
The Social Security benefit amount is based on the deceased worker's earnings, so it's different for everyone. There are percentage guidelines per eligibility group to establish equity. You can apply these percentages to your loved one's average lifetime earnings to calculate the amount received.
Here is what you may be eligible to receive based on your relationship to the deceased and your age:
- Widow or widower at full retirement age or older (included divorced spouses): 100% of the deceased worker's benefit amount
- Widow or widower age 60 or older, below full retirement age: 71.5% to 99% of the worker's benefit amount (though your benefit may be reduced if you work and
earn income beyond established limits).
- Widow or widower with a disability, aged 50 through 59: 71.5% of the worker's benefit amount
- Widow or widower (of any age) caring for a child under age 16: 75% of the worker's benefit amount
- A child under age 18 or who has a disability: 75% of the worker's benefit amount
- Dependent parent(s), age 62 or older: 82.5% (if there's one surviving parent) or 75% each (if two surviving parents)
In addition to the above monthly benefits, a surviving spouse or child may receive a lump sum payment of $255. Typically, this amount is paid to the surviving spouse if they lived in the same house as the worker when they died
There is a caveat on these family benefits, however: The Social Security Administration imposes a limit on the total monthly amount family members can receive. Typically, that ceiling is between 150% and 180% of the worker's basic benefit rate. Should the family's total benefit exceed the applicable amount, payments are reduced on a pro rata basis.
Applying for Social Security survivor benefits
Generally, benefits aren't retroactive to the date of your loved one's death. Therefore, it's important to make sure a funeral home has reported their passing to the Social Security Administration or that you report it yourself. You can do so by contacting the Social Security office nearest to you.
In order to apply for Social Security survivor benefits, you will need:
- Proof of death from a funeral home or from a death certificate
- The Social Security number for both you and the deceased
- The Social Security number and birth certificate of a dependent child (if applicable)
- Your marriage certificate (if applying for widow/widower benefits)
- Your divorce papers (if applying based on a former spouse)
- The most recent year's W-2 forms or federal self-employment tax return for the deceased worker
- Your bank's name and your account number (if setting up a direct deposit)
You likely aren't thinking about finances in the days, weeks or even months following the death of a loved one. This is why it's valuable to connect with