Social Security for Spouses and Survivors: 2024 Update (USA)

Social Security for Spouses and Survivors in 2024: A Guide to Bigger Benefits (and Potential Changes)

Planning your retirement in 2024? The United States Social Security System plays a crucial role, and this year brings important updates for spouses and survivors. We discuss in this article how to increase the benefits, but there are also potential changes to eligibility on the horizon.

This guide will equip you with the latest information on social security for victims and survivors in 2024. Here is what you will learn:

  • Increased Benefits for 2024: We will break down the good news: a cost-of-living adjustment (COLA) means bigger monthly checks for many recipients.
  • Benefits for Spouses: Explore how much a spouse can receive based on their working history and their partner’s retirement age.
  • Survivor Benefits: Understand the benefits available to surviving spouses and children after a worker passes away.
  • Benefits for Divorced Spouses: We are clarifying if you qualify for benefits as a divorced spouse.
  • Disability Benefits for Spouses: Discover if you’re eligible for benefits as the spouse of a disabled worker.
  • The Future of Spousal Benefits: Get a glimpse into potential future changes that might impact spousal benefits.
  • Claiming Your Benefits: Learn how and when to claim your Social Security spouse or survivor benefits.

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Let’s dive in and ensure you’re getting what you deserve!

Increased Benefits for 2024

Good News! The United States social security recipients received a 3.2% increase in Coca-Cola in 2024 to adjust for inflation. This translates to a bump in the monthly benefits for the spouses and survivors, which are dependent on the workers’ earning history. 

Benefits for Spouses

A spouse can receive up to 50% of their partner’s Primary Insurance Amount (PIA), which is the base benefit amount based on their earnings history. This is because the actual benefit may be lower depending on their retirement age.

Survivor Benefits

The Surviving spouses can receive benefits based on their deceased spouse’s earnings history. This amount varies depending on the surviving spouse’s age and if they have dependent children.

Benefits for Divorced Spouses

If you were married for at least 10 years before divorcing, you may be eligible for spousal benefits based on your ex-spouse’s earnings history. You must be currently unmarried and at least 62 years old.

Disability Benefits for Spouses

If you’re married to a worker receiving Social Security disability benefits, you might qualify for spousal benefits if you’ve been married for at least one year. Additionally, benefits may be available for dependent children.

The Future of Spousal Benefits

There are ongoing discussions about potential changes to Social Security, including a gradual reduction in the spousal benefit percentage starting in 2024. Stay tuned for further updates.

Claiming Your Benefits

You can claim your spousal or survivor benefits online through the Social Security Administration (SSA) website at or by calling their toll-free number: 1-800-772-1213 (TTY: 1-800-325-0778).

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Q: How much will my Social Security benefit be as a spouse?

A: The amount depends on your partner’s earnings history and your retirement age. Use the SSA’s retirement calculator ( for an estimate.

Q: Can I get survivor benefits if I remarry?

A: In most cases, yes. However, there might be limitations on the amount you receive depending on your new spouse’s income.

Q: What documents do I need to claim spousal benefits?

A: You’ll typically need your Social Security number, proof of marriage, and your spouse’s birth certificate or death certificate (if claiming survivor benefits).

Remember: This information is intended as a general overview. Consult the SSA website or talk to a Social Security representative for personalized guidance on your specific situation.

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