If certain conditions are met, a spouse of an injured worker may be entitled to spouse's insurance benefits
As the spouse of an insured worker, an individual is entitled to insurance benefits under certain conditions. A spouse is entitled to benefits if the following conditions are met:
- You have filed an application for spouse's benefits;
- You are not entitled to a retirement or disability insurance benefit based on a primary insurance amount which equals or exceeds one-half the worker's primary insurance amount;
- You are age 62; or
- Have in care (as defined in §312) a child under age 16 or disabled who is entitled to benefits on the worker's Social Security record;
and one of the following additional conditions is met:
- You have been married to the worker for at least one continuous year just before he or she filed the application for benefits;
- You are the mother or father of the worker's biological son or daughter (as defined in §324). This requirement is met if a live child was born to you and the worker. The child need not be living when you apply for benefits;
- You were entitled or “potentially” entitled to spouse's (including deemed or divorced spouse's), widow(er)'s (including deemed widow(er)'s or surviving divorced spouse's), parent's, or childhood disability benefits based on the record of a fully insured individual under the Social Security Act in the month before the month you married the worker. You are “potentially entitled” if you meet all the requirements for entitlement other than filing of an application, and (in the case of spouse's, widow(er)'s, or parent's benefits) attaining the required age; or
- You were entitled or potentially entitled to a widow(er)'s, parent's, or child's (age 18 or over) annuity under the Railroad Retirement Act in the month before the month you married the worker.
If something happens to a worker, benefits may be payable to their widow, widower or surviving divorced spouse with a disability if the following conditions are met:
- Their condition meets the definition of disability for adults, and
- The disability started before or within seven years of the worker's death.
If a widow or widower who is caring for the worker's children receives Social Security benefits, he or she is still eligible if their disability starts before those payments end or within seven years after they end. Widows, widowers, and surviving divorced spouses cannot apply online for survivors’ benefits.