Not affiliated with the US Social Security Administration

When an Application for Widow(er)'s Insurance Benefits is Not Required

Excerpted from "Social Security Handbook". See the up-to-date, official Social Security Handbook at ssa.gov.

0405

405. When an Application for Widow(er)'s Insurance Benefits is Not Required

405.1 When are you NOT required to file an application for widow(er)'s benefits?

You do not need to file an application for widow(er)'s benefits if:

  1. You have reached retirement age and you were entitled to spouse's benefits for the month immediately before the month that your spouse died;

  2. You were entitled to father's or mother's benefits for the month immediately before the month you reached retirement age; or

  3. You were: (1) between ages 62 and retirement age at the time your spouse died and (2) entitled to spouse's benefits, but not to disability or retirement benefits. The spouse's benefits are automatically converted to widow(er)'s insurance benefits.

405.2 When must you file a certificate of election?

You must file a certificate of election to become entitled to widow(er)'s benefits if:

  1. You are receiving reduced spouse's (or divorced spouse's) benefits and retirement or disability benefits in the month before the month of the worker's death; and

  2. You are between age 62 and retirement age in the month of the worker's death.

Last Revised: Feb. 11, 2004

Ads

Recent Content

The 'Optiomal' Age to Claim Social Security Benefits : 65

According to a study, the optimal Social Security claiming age for a 55-year-old single man with a life expectancy of 76 is age 65, according to a HealthView Services analysis.

This of course depends on health and life expectancy, but since delaying Social Security benefits results in an 8 percent higher benefit, it's best to not claim early according to a HealthView Services analysis.

Ads


Sponsored Links

Not affiliated with the US Social Security Administration