SS benefit - one spouse collecting one not collecting

If my spouse is collecting SS (low amount) and I am not collecting yet (waiting till age 70) and I die before starting to collect, does my spouse's benefit switch over to my benefit at the time of death? That is to the higher amount? Long term marriage. Thx.

358

Employee Tax Expert

Jul 15, 2021 5:23:13 PM

If you already receive benefits as a spouse, your benefit will automatically convert to survivors benefits after we receive the report of death.
If you are also eligible for retirement benefits (but haven't applied yet), you have an additional option. You can apply for retirement or survivors benefits now and switch to the other (higher) benefit later.
For those already receiving retirement benefits, you can only apply for benefits as a widow or widower if the retirement benefit you receive is less than the benefits you would receive as a survivor.
(source: https://www.ssa.gov/benefits/survivors/ifyou.html)

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SS benefit - one spouse collecting one not collecting