What Happens to Social Security After a Spouse Dies

https://aged-wiki.win/index.php/What_Happens_to_Social_Security_After_a_Spouse_Dies

When a spouse dies, Social Security rules change: you can switch from your own benefit to the survivor's benefit if it's higher, but not both. Widows and widowers can collect as early as age 60, or 50 if disabled. The key is timing—delaying can increase monthly payments. It's not automatic; you must notify the SSA and provide a death certificate. If you're already receiving spousal benefits, they'll convert to survivor benefits, possibly at a reduced rate if taken early. Planning helps avoid su…