FAQ: How Life Changes Can Increase Your Social Security or SSI Benefits

Social Security benefits don’t stay the same forever.

Changes in your life, such as the death of a spouse, retirement, or financial hardship, may make you or your family members eligible for higher payments or additional benefits.

Below, we’ve answered common questions about situations that could increase your monthly benefit.

 

1. My spouse or ex-spouse passed away. Can I get more benefits?

Yes. If your spouse or ex-spouse has died, you may qualify for a higher survivor benefit based on their work record, even if you’re already receiving benefits from a previous spouse.
 

2. I’m 65 or older and paid Social Security taxes for at least 10 years. Can I claim more?

If you’re at least 65 with enough work credits, you may qualify for additional cash benefits on your own record. Once you reach full retirement age, you can work and keep all of your monthly Social Security benefits no matter how much you earn.
 

3. My adult child who helped support me has died. Do I qualify for more?

Yes. If your child had enough work credits and provided at least half of your support, you may be eligible for higher parent’s benefits based on their work record.
 

4. I’m getting benefits from my spouse’s work. Could I switch to my own?

If you’ve worked and earned enough credits, your own retirement benefit may be higher. You can switch if it gives you more.
 

5. I’m getting benefits from my parent’s work. Could I qualify on my own?

If you’ve worked and qualify, you may be eligible for a higher disability benefit based on your own record.
 

6. I was married for 10+ years, now divorced, and unmarried. Can I claim on my ex?

Yes. If you’re at least 62 and not currently married, you may be eligible for benefits on your former spouse’s work if the marriage lasted 10 years or more.
 

7. My child gets Social Security from my spouse’s record. Can I also get benefits?

Yes. If you care for a child under 16 or a disabled child (before age 22), you may qualify for spouse’s benefits.
 

8. I’m retired or disabled and have a child under 18 (or disabled). Do they qualify?

Yes. Your child may be able to get benefits on your record.
 

9. I get SSI or Social Security and served in the military. Any extra help?

Yes. Veterans may be eligible for additional VA benefits. Learn more at va.gov.
 

10. I’m under 18 (or disabled before 22) and my parent is deceased or on Social Security. Can I claim?

Yes. You may qualify for child’s benefits based on your parent’s work.
 

11. My income dropped or I lost resources. Can SSI help me?

Yes. SSI gives extra income support to seniors and disabled individuals with limited resources.

Not sure what financial aid is available to you? Get the details here.
 

Important Notes

• Some life events must be reported to Social Security. Failure to report could result in overpayments.

• Use the Benefit Eligibility Screening Tool (BEST) on ssa.gov to check what benefits you may qualify for.

• For help, call 1-800-772-1213 (TTY: 1-800-325-0778). Representatives are available 8 A.M.–7 P.M., Monday–Friday.

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