Social Security survivor benefits can offer vital financial support after the loss of a loved one—but many eligible Americans don’t realize they can claim them. In 2025, spouses, children, and even dependent parents may qualify if the deceased person paid into Social Security.
What are survivor benefits?
Survivor benefits are monthly payments made by the Social Security Administration (SSA) to certain family members of a deceased worker. To qualify, the deceased must have earned enough Social Security credits through their employment history.
Who can receive survivor benefits in 2025?
Spouses and ex-spouses
A widow or widower may qualify if:
- They are 60 or older, or 50 or older if disabled
- They were married to the deceased for at least nine months
- They did not remarry before age 60 (or 50, if disabled)
Ex-spouses may also be eligible if the marriage lasted at least 10 years. In some cases, surviving spouses caring for the deceased’s minor or disabled child may qualify regardless of age or length of marriage.
Children
Unmarried children may qualify if they are:
- Under age 18, or
- 18–19 years old and a full-time student in K-12, or
- Any age if they became disabled before age 22
Stepchildren, adopted children, grandchildren, and step-grandchildren may also be eligible under certain conditions.
Adult children with disabilities
An adult child with a disability that began before age 22 can receive survivor benefits if one of their parents has died. These benefits continue as long as the individual remains disabled.
Dependent parents
Parents who were financially dependent on a deceased child may be eligible for survivor benefits if they are:
- At least 62 years old
- Able to prove they relied on the deceased for at least half of their financial support
How to apply
Eligible individuals can apply by calling 1-800-772-1213 or by visiting a local Social Security office. Some cases may require documents such as:
- Proof of death (e.g., death certificate)
- Social Security numbers for both the applicant and deceased
- Marriage or birth certificates
- Proof of support for dependent parents
Applications should be submitted as soon as possible after the death to avoid missing out on potential back pay.
Key takeaways
- Social Security survivor benefits help support family members of deceased workers.
- Spouses, ex-spouses, children, and dependent parents may be eligible in 2025.
- Eligibility is based on age, relationship, disability status, and financial dependence.
For more information, visit the SSA survivor benefits page.