Social Security has evolved and helped many families since its creation. Some Social Security benefits are determinate on retirement age. As of now, the full retirement age of 65 is based on birth before 1940. Anyone born after 1940 has a retirement age up to 67.
History
Disabled soldiers and their families who fought in the Civil War led to the development of a generous pension program. This program later developed into Social Security.
Function
Social Security is a government program designed to pay a benefit to a deceased worker’s widower. A widower can receive benefits at any age if she takes care of the deceased worker's child who is entitled to a child's benefit. Otherwise, the widower must be entitled to receive her own retirement or disability benefit.
Considerations
If you were married for at least nine months prior to the worker being deceased, you may be eligible to collect the widower's benefits.
Benefits
The maximum benefit a widower can receive is 50 percent of the benefit the deceased worker would receive at the full retirement age. To estimate a widower benefit, use the Social Security online calculator.
Misconceptions
A divorced spouse can apply for benefits on a former spouse’s Social Security record. However, this will not affect the amount paid to the widower.
References
- Benefit Calculator
- Social Security Administration. "Benefits for Spouses." Accessed April 22, 2020.
- Social Security Administration. "Normal Retirement Age." Accessed April 22, 2020.
- Social Security Administration. "How Work Affects Your Benefits," Page 1-2. Accessed April 22, 2020.
- Social Security Administration. "Fact Sheet: 2021 Social Security Changes," Page 1 Accessed Oct. 15, 2020.
- Social Security Administration. "Survivors Benefits," Page 2. Accessed April 22, 2020.
- Social Security Administration. "Full Retirement Age for Survivors Born Between 1945 And 1956: 66." Accessed April 22, 2020.
- Social Security Administration. "Benefits Planner: Survivors | If You Are The Survivor." Accessed April 22, 2020.
- Social Security Administration. "Ex-Spouse Benefits And How They Affect You." Accessed April 22, 2020.
- Social Security Administration. "The Retirement Prospects of Divorced Women." Accessed April 22, 2020.
- Social Security Administration. "What You Need to Know When You Get Retirement or Survivors Benefits," Page 16 - 17. Accessed April 22, 2020.
- Social Security Administration. "Benefits Planner: Retirement." Accessed April 22, 2020.
- Social Security Administration. "Understanding the Social Security Family Maximum." Accessed April 22, 2020.
- Social Security Administration. "Parents and Guardians." Accessed April 22, 2020.
- Social Security Administration. "Old Age And Survivor's Insurance." Accessed April 22, 2020.
- Social Security Administration. "Understanding Supplemental Security Income SSI for Children-- 2019 Edition." Accessed April 22, 2020.
- Social Security Administration. "A Primer: Social Security Act Programs to Assist the Disabled." Accessed April 22, 2020.
- Social Security Administration. "Benefits Planner: Survivors | Planning For Your Survivors." Accessed April 22, 2020.
Writer Bio
Maria Davis began professionally writing in 2009, specializing in cooking, technology, fashion and fitness and health. Davis attended Capella University with a focus on criminal justice.