Can an ex-wife draw a deceased husband's social security?

Asked by: Ona Quitzon  |  Last update: August 16, 2025
Score: 4.8/5 (19 votes)

Spouses and ex-spouses You may be eligible if you: Are age 60 or older, or age 50–59 if you have a disability, and. Were married for at least 9 months before your spouse's death, and. Didn't remarry before age 60 (age 50 if you have a disability).

Can my husband's ex-wife get his Social Security when he dies?

  • A divorced spouse may be eligible to collect Social Security benefits based on the former spouse's work record.
  • The marriage must have lasted for at least 10 years and the divorced spouse must be at least 62 years old.

What is an ex-wife entitled to when her ex-husband dies?

Social Security rules allow a qualifying former spouse to claim benefits based on the work history of a higher-earning ex. These benefits are worth up to 50% of that former spouse's Social Security benefit at full retirement age. However, if that former spouse dies, the benefit's value is worth up to 100%.

Which wife gets a deceased husband's Social Security?

Surviving spouse, at full retirement age or older, generally gets 100% of the worker's basic benefit amount. Surviving spouse, age 60 or older, but under full retirement age, gets between 71% and 99% of the worker's basic benefit amount.

How much does a surviving divorced spouse get from Social Security?

Spouses and ex-spouses

Payments start at 71.5% of your spouse's benefit and increase the longer you wait to apply. For example, you might get: Over 75% at age 61. Over 80% at age 63.

Benefits From A Deceased Ex-Spouse?

16 related questions found

Can two ex-wives collect husband's Social Security?

If the spouses divorced, the marriage must have lasted 10 years. Each survivor benefit can be up to 100% of your benefit. The amount may be reduced if the women start benefits before their own full retirement age, but they don't have to share — the amount isn't reduced because you've had more than one spouse.

What disqualifies you from survivor benefits?

Impact of remarrying: If you remarry before age 60 (or 50 if disabled), you typically won't be eligible to collect survivor benefits from your former spouse. However, if the subsequent marriage ends, you may become eligible again.

At what age can I collect my ex-husband's Social Security benefits?

Divorcees may still be eligible

For starters, you must have been married for 10 or more years and you can't be remarried. To receive ex-spouse benefits you have to be at least 62 years old and your ex-spouse has to be old enough to receive Social Security.

What is a widow entitled to when her husband dies?

If your spouse built up entitlement to the State Second Pension between 2002 and 2016, you are entitled to inherit 50% of this amount; PLUS. If your spouse built up entitlement to Graduated Retirement Benefit between 1961 and 1975, you are entitled to inherit 50% of this amount.

What not to do when a spouse dies?

What Not to Do When Someone Dies: 10 Common Mistakes
  1. Not Obtaining Multiple Copies of the Death Certificate.
  2. 2- Delaying Notification of Death.
  3. 3- Not Knowing About a Preplan for Funeral Expenses.
  4. 4- Not Understanding the Crucial Role a Funeral Director Plays.
  5. 5- Letting Others Pressure You Into Bad Decisions.

Can I stop my ex-wife from getting my Social Security?

It's natural to ponder if you can stop your ex-spouse from partaking in your social security benefits. However, the high dam of federal law stands firm, preventing you from single-handedly stopping your ex-spouse from staking a claim on your benefits.

Do I get any benefits if my ex husband dies?

If your ex-spouse died after you divorced, you can still qualify for widow's benefits. Visit Retirement Planner: If You Are Divorced to find all the eligibility requirements you must meet to apply as a divorced spouse. We hope this news adds some joy to the range of emotions you feel when thinking of your “Ex”!

Am I entitled to my husband's Social Security if I get divorced?

If you're divorced and haven't remarried, you may be eligible to receive Social Security benefits based on your former spouse's work record. To apply for divorced spouse benefits, you'll need to provide proof of your marriage and divorce, as well as your ex-spouse's Social Security number.

What rights does an ex-wife have when her ex-husband dies?

Can an Ex-Spouse Inherit From the Decedent's Estate? Once a divorce is finalized and assets have been divided between the former spouses, the ex-spouse will generally have no right to an inheritance from their ex-spouse's estate if their ex-spouse dies.

What are the three ways you can lose your Social Security?

Indeed, here are three ways you can lose at least part of your Social Security benefit.
  • No. 1: Keep working while taking benefits early. ...
  • No. 2: Be a substantially lower-earning spouse. ...
  • No. 3: Be alive in 2034. ...
  • Social Security still provides an important foundation for retirement.

Will Social Security notify me if my ex-husband dies?

Usually, the funeral home alerts Social Security when someone dies. If someone is already claiming spousal benefits — which are also available to ex-spouses in many cases — Social Security will automatically convert them to survivor benefits.

Can an ex spouse collect widows benefits?

Yes, even if you never worked, you may be eligible to receive a spousal or survivor benefit off your ex-spouse.

What are the rights of a wife when the husband dies?

Upon the death of a spouse, the surviving spouse is entitled to retain their half of the community property. The deceased spouse's half is typically distributed according to their will or, if there is no will, according to California's intestate succession laws.

How long can a widow receive survivor benefits?

How long does a widow receive survivor benefits? Social Security benefits are payable to you for life unless you collect a retirement benefit that is greater than the survivor benefit.

What is my marital status if my ex-husband dies?

You would not be a widow because you were divorced before he was deceased. So you are considered to be divorced or single. He was your ex husband. His death doesn't change your divorced status.

How do I get the $16728 Social Security bonus?

Specifically, a rumored $16,728 bonus that had people wondering if it was true or not in 2024? Sadly, there's no real “bonus” that retirees who receive Social Security can collect.

Can a person who has never worked collect Social Security?

But even if you never worked and therefore don't have an earnings record, you're not necessarily out of luck. If you're married (or were married) to someone who's entitled to Social Security, you can collect spousal benefits equal to 50% of your husband or wife's benefits at full retirement age.

How much does a wife get of her husband's Social Security if he dies?

If the deceased did not reach full retirement age, the surviving spouse can receive 100% of the retirement benefit. If the deceased reached retirement age, the surviving spouse can receive whatever the deceased was entitled to in the month of their death.

At what age can I collect my deceased ex-husband's Social Security?

Be at least age 60. Were married for at least 10 years. Have evidence of a finalized divorce. Be unmarried, unless you remarried after age 60.

How do I find out my ex-husband's Social Security benefits?

A representative at your local Social Security office can provide estimates of the benefit you can receive as a divorced spouse, based on your former wife's or husband's earnings record. Call your local office or Social Security's national customer service line (800-772-1213) to make an appointment.