If you’ve lost your spouse and have a disability, you may be eligible for Disabled Widow Benefits (DWB) under the Social Security Administration (SSA). These benefits provide financial support to individuals who meet specific qualifications. At PLBH, we’re here to help you understand your rights and guide you through the process.
What Are Disabled Widow Benefits?
Disabled Widow Benefits are Social Security payments available to individuals who have lost their spouse and are living with a qualifying disability. These benefits aim to provide financial assistance to widows and widowers who might struggle to support themselves due to their disability.
How Benefits Are Calculated
The amount you receive depends on your late spouse’s earnings record. Benefits typically range from 71.5% to 100% of the deceased spouse’s primary insurance amount, depending on your age and other factors when you apply.
Who Qualifies for Disabled Widow Benefits?
To qualify for DWB, you must meet the following criteria:
Spousal Relationship Requirements
- Marriage Duration: You must have been married to the deceased spouse for at least nine months before their passing.
- Widow/Widower Status: You cannot remarry before age 50 unless the subsequent marriage ends.
Disability Requirements
- Qualifying Disability: You must have a disability that meets the SSA’s definition of disabling. This typically means that the disability is severe enough to prevent you from engaging in substantial gainful activity (SGA).
- Timing of Disability: The disability must begin before or within seven years of your spouse’s death.
Age Requirements
- Age 50-60: Disabled widow benefits are available only to individuals aged 50 to 60. If you are younger than 50, you may qualify for other Social Security benefits based on your situation.
Additional Considerations for Eligibility
Several other factors can impact your eligibility:
Earnings Limitations
If you earn above the SGA threshold (as determined annually by the SSA), you may not qualify for DWB.
Dependents
If you have dependents, they might also qualify for auxiliary benefits based on your late spouse’s record.
Citizenship or Residency
You generally need to be a U.S. citizen or meet specific residency requirements to receive benefits.
How to Apply for Disabled Widow Benefits
The application process can be complex, but the following steps will help guide you:
- Gather Documentation: Collect essential documents such as your spouse’s death certificate, proof of marriage, and medical records detailing your disability.
- Contact the SSA: Call or visit your local SSA office to initiate your application. You can also start the process online.
- Complete the Application: Fill out the required forms and submit supporting documentation.
- Await a Decision: The SSA will review your application and notify you of their decision.
Why Legal Guidance Is Important
Applying for Disabled Widow Benefits can be overwhelming, especially if you’re managing the emotional toll of losing a spouse and the challenges of a disability. A knowledgeable attorney can:
- Help you gather and organize necessary documentation.
- Ensure you meet all eligibility requirements.
- Represent you if your claim is denied and requires appeal.
Get Help With Your Disabled Widow Benefits Claim
At PLBH, we’re committed to protecting your rights and helping you secure the benefits you deserve. If you believe you qualify for Disabled Widow Benefits or have had your application denied, call (800) 435-7542 today to schedule a consultation. Let us help you navigate this process with confidence and care.