Hi Larry, I wanted to learn more about the widows and widowers program from social security and would I possibly qualify? I am 49 years old and my wife passed away six years ago. At the time, our son was 18 months old. I’ve fortunately been able to raise him as best I can without his mom but since being laid off things have become more difficult. Additionally, I think almost being 50 has not helped in my job search. My son does receive monthly social security payments based on my wife’s work history.

Thanks,
Mark

Hi Mark. I'm sorry for your loss. You're too young to qualify for widower benefits, but it sounds like you'd be eligible for father's benefits at least until your son reaches age 16. There is a limit on how much you can earn and be paid benefits, but that shouldn't be a problem currently if you aren't working.

Father's benefits are calculated at a rate of 75% of the deceased worker's primary insurance amount (PIA), as are child benefits. So, it sounds like you could likely be paid a monthly benefit equal to the amount that your son is receiving. You can claim father's benefits up to 6 months retroactively from the month you apply, so if you were laid off several months ago you may even be able to get some back pay. I would suggest calling Social Security ASAP to see about making an appointment to apply for father's benefits.

As for widower benefits, those benefits can't be paid at least until you are age 60 unless you're disabled, in which case they can be paid as early as age 50. Father's benefits, on the other hand, can be paid at any age provided that the father is caring for an eligible child who is either under age 16 or disabled.

Best, Jerry