Losing a spouse is hard enough, but dealing with a disability on top of that can make everything feel even more challenging. Fortunately, there is support available. Social security offers a program that can help disabled widows and widowers get the support they need during this challenging time.
Applying for these benefits might seem complicated, but knowing the right steps can make all the difference. Understanding the process can help to ensure you can focus on what matters: getting the support you deserve.
What to understand about applying
Disabled Widow(er)’s Benefits (DWB) are Social Security benefits available to widows or widowers who have a disability and were married to a spouse who is now deceased who worked and paid into Social Security. These benefits provide financial assistance to help eligible survivors who can no longer work due to their disability.
To qualify, certain requirements must be met. The deceased spouse must have worked and paid Social Security taxes before passing away. The surviving spouse must be between fifty and sixty years old, and have a documented disability under the social security act, and provide proof of their relationship to the deceased.
The application process first starts by gathering important documents, such as:
- Spouse’s death certificate
- Marriage certificate
- Proof of disability
- Work history
Unlike other benefits, DWB applications can’t be submitted online. Instead, they must be submitted by contacting your local social security office. Once the application is submitted, the SSA reviews the case. The approval process can take several months, but applicants can check the status by calling the SSA. If benefits are denied, there is an appeal’s process to challenge the decision.
Navigating the application process for disabled widow’s or widower’s benefits can feel overwhelming, but help is available. If you have questions or need support, seeking legal guidance can make the process smoother and improve your chances of approval.