7 Social Security Benefits Many Retirees Don't Know About

Check each one against your own record — you may be due more than one type, but you are paid the higher benefit, not both.

1. Spousal benefits

If you are 62 or older and your spouse receives retirement or disability benefits, you may qualify on their record. At full retirement age a spousal benefit is generally 50% of the worker's benefit; it is reduced if claimed earlier.

2. Survivor benefits

A surviving spouse may qualify at 60 or older, at 50 or older with a disability, or at any age while caring for the deceased spouse's child under 16 (or disabled before 22). SSA says survivor benefits range from 71.5% to 100% of the deceased spouse's benefit, depending on claiming age.

3. Divorced-spouse benefits

If you are 62 or older, unmarried, and were married for at least 10 years to someone entitled to benefits, you may qualify on their record. If divorced for at least two years, you can apply even if your former spouse has not filed.

4. Surviving divorced-spouse benefits

If your former spouse dies, you may qualify as a surviving divorced spouse if you were married at least 10 years, are 60 or older (50 or older with a disability), and are single — unless you remarried after 60.

5. Disability-related benefits

Disability benefits, and benefits for a disabled widow or widower from age 50, depend on work history and medical rules. Check your own record at SSA rather than assuming eligibility.

6. Family benefits

Children, and in some cases a spouse caring for a qualifying child, may receive benefits on a retired or disabled worker's record. Rules depend on age, disability before 22, and school status — check the SSA family benefits page.

7. Supplemental Security Income (SSI)

SSI is a separate, needs-based program for people with limited income and resources, including people 65 or older. It is not the same as Social Security retirement benefits, and eligibility is decided by SSA.

Check before you claim

Use your my Social Security account and the official SSA benefits pages to check eligibility. Survivor benefits cannot be applied for online — SSA directs you to call. This story is general education, not personal advice.

Read the claiming guide