$1316 Social Security Payment for Widowers in 2025: Losing a spouse is one of life’s most challenging experiences. Amid emotional grief, many surviving spouses also face financial hardship. Fortunately, the Social Security Administration (SSA) provides monthly survivor benefits, including a commonly cited $1,316 Social Security payment for widow(er)s, designed to offer financial relief during these difficult times.
This detailed guide explains how you can qualify, apply, and maximize your survivor benefits, including key eligibility rules, how much you might receive, and important changes coming in 2025.
What Are Social Security Survivor Benefits?
Survivor benefits are monthly Social Security payments made to the spouse, children, or sometimes dependent parents of a deceased individual who worked and paid into the Social Security system. These benefits are a form of social insurance, helping families cope financially after the loss of their primary income earner.
The payments are calculated based on the deceased worker’s earnings record, and in 2025, the average benefit for widow(er)s is approximately $1,316 per month. However, the amount varies based on several personal and financial factors.
$1316 Social Security Payment for Widowers in 2025
| Feature | Details |
| Monthly Average Payment | $1,316 (as of December 2024) |
| Eligible Age | 60+ (or 50+ if disabled); any age if caring for a child under 16 |
| Marriage Duration | At least 9 months (with exceptions) |
| Disability Requirement | Eligible from age 50 if disabled |
| Remarriage Rule | Cannot remarry before 60 (50 if disabled) |
| Divorced Widow(er) | Must have been married to deceased for at least 10 years |
| Source | Social Security Administration (SSA) |
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Social Security Payment Schedule 2025 for Widow(er)s
In 2025, widow(er)s receiving Social Security survivor benefits can expect monthly payments based on their birth dates:
| Date of Birth (of the beneficiary) | Payment Date (2025) |
| 1st – 10th | Second Wednesday |
| 11th – 20th | Third Wednesday |
| 21st – 31st | Fourth Wednesday |
Who Qualifies for Survivor Benefits?
To receive the $1,316 survivor benefit, you must meet specific eligibility criteria set by the SSA. Here’s a detailed breakdown:
Age Requirements
- 60 or older: Eligible for standard survivor benefits.
- 50 or older and disabled: Eligible for reduced survivor benefits.
- Any age: If caring for a child under 16 or disabled, you can qualify regardless of age.
Marriage Requirements
- The deceased person must have been legally married to you.,
- The duration of the marriage had to be at least nine months.
- Exceptions apply if the death was accidental or occurred during military duty.
Remarriage Rules
- Remarrying before the age of 60 (or 50 if disabled) could result in your eligibility being revoked.
- Remarriage after 60 (or 50 if disabled) does not impact your ability to claim survivor benefits.
Divorced Spouses
Even divorced widow(er)s may qualify:
- At least ten years must have passed since you and the deceased were married.
- You must meet the same age and marital status requirements as current spouses.
Why the $1,316 Social Security Payment?
The $1,316 monthly payment is an average, not a fixed amount. Your actual benefit will depend on:
- The earnings record of your deceased spouse.
- Your age at the time of application.
- Whether you’re also receiving other Social Security benefits.
For example:
- If your spouse received $1,800/month, you might get 100% of that amount if you wait until full retirement age.
- If you claim benefits early (e.g., at age 60), your payment may be reduced to 71.5% to 99% of the full amount.
Use the official SSA Survivors Benefits Calculator for a customized estimate.
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How to Apply for $1316 Social Security Payments for Widower’s in 2025?
Step 1: Gather Required Documents
Before applying, collect the following:
- Your birth certificate
- Marriage certificate
- Death certificate of your spouse
- Social Security numbers (yours and your spouse’s)
- Tax forms or W-2s for the previous year
Step 2: Contact the Social Security Administration
You cannot apply online. Use one of these two options:
- Call SSA at 1-800-772-1213 (TTY: 1-800-325-0778)
- Visit your local SSA office using the SSA Office Locator
Step 3: Submit the Application
Be prepared to:
- Answer questions about your marital history and spouse’s work.
- Provide original or certified copies of documents.
Apply as soon as possible. You may lose retroactive benefits if you delay.
Legislative Update: GPO and WEP Repeal Could Increase Payments
Two controversial Social Security rules—the Government Pension Offset (GPO) and the Windfall Elimination Provision (WEP)—have long reduced benefits for public workers like teachers, police, and firefighters.
Proposed Change: Social Security Fairness Act
- If passed, the repeal of GPO and WEP could mean higher monthly payments for millions of retired public employees, including survivors.
- Follow the bill’s progress on Congress.gov.
Mistakes to Avoid
Avoid these costly errors to ensure you get the maximum survivor benefits:
- Delaying your claim: You may miss out on months of back pay.
- Remarrying too early: Can disqualify you from benefits.
- Not filing for eligible dependents: Children under 18 or disabled may qualify.
- Incorrect paperwork: Missing or incorrect documents can delay your application.
- Not comparing benefits: Check if your retirement benefits are higher—you can switch later.
Special Considerations for Public Sector Workers
If your late spouse worked in a non-covered government job (one that didn’t pay into Social Security), your benefits might be impacted by the GPO/WEP rules mentioned above. Stay informed about the repeal efforts in 2025 that could significantly increase your monthly benefit.
FAQs About $1,316 Social Security Payments for Widow(er)s
Can I receive both survivor and retirement benefits?
No. You can only receive one benefit at a time—whichever is higher. However, you can switch later if your own retirement benefit becomes more advantageous.
How long will it take to receive payments?
Usually, 4 to 8 weeks after applying—provided all documents are in order.
Are survivor benefits taxable?
Sometimes. If your combined income (wages + half of Social Security + pensions) exceeds the IRS threshold, a portion may be taxed.
Can I apply for survivor benefits online?
Not yet. You must apply by phone or in person at a local SSA office.
Can my children receive survivor benefits too?
Yes. Unmarried children under 18 (or up to 19 if in school) and disabled children of any age may qualify.
