What Happens to Social Security When a Spouse Dies?

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When your spouse passes away, their Social Security benefits don't just disappear. You may be eligible for a survivor benefit, which is calculated based on their work record and your age. It's often around 71% to 100% of what they were receiving, and you can switch to your own retirement benefit later if it's higher. This can be a lifeline, but it's important to notify the SSA promptly and understand that the benefit usually starts the month you apply, not retroactively. Many widows and widower…