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About 5 million widows and widowers currently qualify. It takes 30 to 60 days for survivors benefits payments to start after they are approved, according to the agency's website.
Survivors Benefit Amount Widow or widower, full retirement age or older \u2014 100% of the deceased worker's benefit amount. Widow or widower, age 60 \u2014 full retirement age \u2014 71½ to 99% of the deceased worker's basic amount. Widow or widower with a disability aged 50 through 59 \u2014 71½%.
Form SSA-10 | Information You Need to Apply for Widow's, Widower's or Surviving Divorced Spouse's Benefits. You can apply for benefits by calling our national toll-free service at 1-800-772-1213 (TTY 1-800-325-0778) or visiting your local Social Security office.
If you are receiving retirement or disability benefits on your own record, you will need to apply in person for survivors benefits. FRA for survivors benefit is age 66 for anyone born 1945 to1956. It increases by two months for every year from 1957 to 1961. FRA is age 67 for anyone born 1962 or later.
Social Security will not combine a late spouse's benefit and your own and pay you both. When you are eligible for two benefits, such as a survivor benefit and a retirement payment, Social Security doesn't add them together but rather pays you the higher of the two amounts.
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The earliest a widow or widower can start receiving Social Security survivors benefits based on age will remain at age 60. Widows or widowers benefits based on age can start any time between age 60 and full retirement age as a survivor.

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