You may be eligible to receive survivors benefits based on a deceased ex-spouse’s work record.
Q. I am receiving Social Security benefits. I was married 16 years and then I divorced. My ex died, but I’m not receiving widow’s benefits. What should I do?Generally, you can receive survivors benefits based on a deceasedif your marriage to that person lasted 10 years or more, said Brian Schiess, a certified financial planner with Modera Wealth Management in Westwood.
You should contact Social Security at 1-800-772-1213 because you cannot apply for survivor’s benefits online.based on a spouse’s or ex-spouse’s work record will automatically have their spousal benefit converted to survivors benefits.“If you are already receiving your own retirement benefits, you can only apply for survivors benefits if the retirement benefit you are already receiving is less than the benefit you would receive as a survivor,” he said.
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