How to Qualify for Social Security Spousal and Survivor Benefits

A guide for spouses, ex-spouses, widows and widowers on Social Security spousal and survivor benefits and how to make the most of them.

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(Image credit: Getty Images)

If you never paid into Social Security or didn’t work long enough to qualify, you may need to rely on Social Security spousal and survivor benefits for your retirement. That also may be true for those who stopped working in order to care for their children and/or older relatives.

Even if you’ve paid into the system and qualify for Social Security based on your own work record, you might qualify for a higher benefit through your spouse or even an ex-spouse.

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This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA.

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Rhian Horgan
Founder and CEO, Silvur

Rhian is the CEO of Silvur, an award-winning retirement platform that works with credit unions and community banks to support members age 50+. Rhian is a frequent contributor to top financial publications including Forbes, Kiplinger, Barrons, CNBC and Yahoo! Finance.