$1,316 Monthly Social Security For Widow(er)s – Who Qualifies And How To Apply?
Losing a spouse is emotionally devastating—and can also cause financial hardship. Fortunately, Social Security survivor benefits offer crucial support.
In 2025, widows and widowers may qualify for average monthly payments of $1,316, depending on their eligibility and the deceased spouse’s work history.
Here’s a detailed breakdown of how to get the $1,316 payment, eligibility criteria, how to apply, and key rules to know.
What Are Survivor Benefits?
Survivor benefits are monthly Social Security payments made to eligible family members (like spouses, children, or dependent parents) of a deceased worker who paid into Social Security.
These payments aim to provide ongoing financial stability after the loss of a primary income earner.
Why $1,316?
As of late 2024 and continuing into 2025, the average monthly survivor benefit for widows and widowers is $1,316. This amount may vary based on:
- Your age at the time of applying
- The deceased’s lifetime earnings
- Whether you apply early or wait until full retirement age
Some survivors may receive over $2,000, while others may receive less depending on their situation.
Eligibility Criteria for Widow(er)s
The following table outlines who qualifies and under what conditions:
| Feature | Details |
|---|---|
| Monthly Payment | Average of $1,316 (as of 2025) |
| Minimum Age | 60+, or 50+ if disabled |
| Childcare Exception | Any age if caring for child under 16 or disabled |
| Marriage Duration | At least 9 months before spouse’s death |
| Remarriage Rule | Cannot remarry before age 60 (or 50 if disabled) |
| Divorced Spouse Eligibility | Married to deceased for 10+ years |
| Disability Requirement | Must meet SSA criteria for disability if under 60 |
How Much Can You Receive?
The actual amount of survivor benefits depends on:
- The deceased’s benefit at full retirement
- The age you begin collecting
- Other benefits you receive
For example:
- Waiting until full retirement age: You may get 100% of your late spouse’s benefit.
- Applying at age 60: Benefit ranges from 71.5% to 99%.
Example:
If your spouse received $1,800 monthly at full retirement, applying at age 60 could net you around $1,287/month.
How to Apply for Widow(er) Benefits in 2025
Step 1: Prepare Required Documents
- Marriage certificate
- Death certificate of spouse
- Your birth certificate
- Social Security numbers (yours and your spouse’s)
- W-2s or tax returns for recent years
Step 2: Contact the SSA
Applications cannot be completed online. You must either:
- Call 1-800-772-1213
- Visit a local SSA office (use the SSA Office Locator)
Step 3: Submit Application
- Provide all original or certified documents
- Complete all questions accurately to avoid delays
Watch Out for These Mistakes
- Waiting too long to apply – This may result in lost benefits.
- Remarrying before age 60 – May disqualify you unless you’re disabled.
- Incorrect paperwork – Missing documents can delay processing.
- Overlooking benefits for children – Children under 18 or disabled may also qualify.
Legislative Update: GPO & WEP Repeal Proposal
If you worked in a job not covered by Social Security, your survivor benefit might have been reduced by:
- Government Pension Offset (GPO)
- Windfall Elimination Provision (WEP)
The Social Security Fairness Act is being considered to repeal these reductions, potentially increasing your benefits. Stay informed on this change if it affects your eligibility.
The $1,316 Social Security payment for widow(er)s in 2025 can provide vital financial relief. By understanding eligibility, applying correctly, and keeping an eye on legislative changes, you can ensure you get the support you deserve.
Don’t let confusion or delays rob you of months of essential income—take action today and apply through the Social Security Administration with all necessary documentation.
FAQs
Who is eligible for the $1,316 survivor benefit in 2025?
You must be a widow or widower, at least 60 years old (or 50 if disabled), or any age if caring for a child under 16. The marriage must have lasted at least nine months.
Can I still get benefits if I remarry?
Yes, but only if you remarry after age 60 (or 50 if disabled). Remarrying earlier may disqualify you from receiving benefits based on your late spouse’s record.
Can divorced spouses qualify?
Yes, if you were married for 10 years or more, meet the age requirements, and haven’t remarried before the eligible age, you may still qualify.