What happens to Social Security benefits when a spouse passes away?

A surviving spouse at Full Retirement Age is entitled to 100% of the deceased worker's monthly benefit. Early survivor benefits can begin as early as age 60 (or age 50 if disabled) at a reduced rate (71.5% to 99%).

Can a divorced spouse claim spousal or survivor benefits?

Yes, provided the marriage lasted at least 10 consecutive years, the claimant is currently unmarried (if under age 60), and is at least age 62 (or age 60 for survivor benefits).

أمريكامحدث لعام 2026retirement

Social Security Spousal & Survivor Benefit Calculator 2026

Calculate statutory SSA spousal benefits (up to 50% of spouse's PIA) and widow/widower survivor benefits (up to 100%), with early claiming reductions from Full Retirement Age (FRA).

الضمان والتأمينات الاجتماعية التقاعد والمعاشات الأسرة والأطفال المنافع والدعم الحكومي

النتيجة النهائية

Total Estimated Monthly Benefit Received

1,500$

بيانات ومدخلات الحساب

Primary Earner Spouse PIA (Monthly Benefit at FRA)

خيارات سريعة:

Claimant's Own PIA (Monthly Benefit on Own Record)

خيارات سريعة:

Benefit Program Type

Claimant's Age at Claim Initiation

Total Estimated Monthly Benefit Received

1,500$

Annualized Benefit Total

18,000 ‎$‎

Spousal Top-Up Above Own Record

700 ‎$‎

Full Spousal Benefit at FRA (50% of PIA)

1,500 ‎$‎

Combined Monthly Household Living SSA Income

4,500 ‎$‎

Spousal benefits are capped at 50% of the working spouse's Primary Insurance Amount (PIA) at FRA. Survivor benefits provide up to 100% of the deceased spouse's actual monthly benefit.

المرجع النظامي / القانوني: Social Security Act (42 U.S.C. § 402(b), (c), (e), (f) - Spousal & Widow/Widower Survivor Insurance Benefits)تاريخ التحقق والتحديث: 2026-09-04

آلية ومعادلة الحساب القانونية

Maximum Spousal Benefit at FRA = Primary Earner PIA * 50%. Net Spousal Top-Up = max(0, Max Spousal - Own PIA). Early Claim Reduction applies if claimed before FRA (e.g. at age 62, reduced by approx 30% to 35% of PIA). Maximum Survivor Benefit = Deceased Spouse Monthly Benefit.

الأسئلة الشائعة

At Full Retirement Age (FRA, age 67 for those born in 1960 or later), a spouse can receive up to 50% of their spouse's Primary Insurance Amount (PIA). If their own retirement benefit is higher, they receive their own benefit.

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أمريكا

Social Security Spousal & Survivor Benefit Calculator 2026

بيانات ومدخلات الحساب

آلية ومعادلة الحساب القانونية

الأسئلة الشائعة

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