Q & A
If my spouse or ex-spouse dies before filing for benefits based on his or her own work history, how does that affect my widow(er)’s survivor’s benefit?
Answer: If your spouse dies prior to his or her FRA and had not yet filed for benefits, generally the surviving spouse would be eligible for up to 100% of the benefit the deceased spouse would have received at his or her FRA. If the spouse dies after his or her FRA and had not yet filed for benefits, the surviving spouse would be eligible for the benefit amount the deceased would have been eligible for on the date of death, which would be more than the FRA amount. Read more.
Source: http://individual.troweprice.com - September 14, 2013
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