Did you know that your spouse could receive Social Security Disability benefits if you die - based on your work record? But your spouse will have to jump through several hoops in order to obtain those benefits.
First, some terminology is in order. The most important term to know is the phrase survivor benefits. These are benefits paid to a disabled spouse after a worker eligible for SSD benefits dies. You will also hear the term quarters of coverage used. This refers to how long you worked and paid into the Social Security system. Generally, if you worked full time for ten years (five of them recently), you are covered for retirement and disability by Social Security.
Who receives survivor disability benefits? You must be a disabled widow or widower of a person who died who was covered by Social Security (see above). In addition, you must be at least 50 years old and your disability must have begun within seven years of the date that your spouse died, or within seven years of your deceased spouse's child becoming 16, whichever is later.
Others may also be eligible for the disability benefits of a deceased worker. You can collect SSD on your spouse's work record if you are taking care of your spouse's unmarried child under the age of 18 and become disabled. Other possible recipients of a deceased worker's disability benefit are divorced spouses who were married at least 10 years to the SSD-covered worker, and dependent parents over age 62.
After reading this, you should have many questions. Obtaining survivor benefits can be very complicated. Your best step should be to do what hundreds of thousands of other people have done: Call Binder & Binder®, America's most successful Social Security Disability advocates. Learn about eligibility for SSD survivor benefits and how we can help you with your claim. Get what your spouse wanted you to have. Call Binder & Binder® today.
Source: Social Security website. "Survivor Benefits," Oct. 22, 2012.