Losing a spouse is one of the toughest things anyone can go through—emotionally, mentally, and financially. For many widowers, managing bills and day-to-day life after that loss can feel overwhelming. That’s why the Social Security Administration (SSA) offers a financial safety net in the form of survivor benefits. And in June 2025, eligible widowers could receive a monthly payment averaging $1,316 to help with essential expenses.
This payment isn’t random—it’s part of a structured benefit system meant to support surviving spouses based on the work history of their deceased partner. While $1,316 is the average, the actual amount you receive could vary depending on a few key factors.
What Exactly Is the $1,316 Survivor Payment All About?
This monthly benefit is designed to partially replace the income of a deceased spouse, especially for those who were financially dependent or are struggling to stay afloat after the loss. The SSA calculates it based on the earnings record of the deceased. It’s basically a way to help the surviving spouse keep their financial footing while adjusting to a new way of life.
Who Counts as a Widower and What Makes You Eligible?
According to the SSA, a widower is someone whose legal spouse has passed away. To qualify for survivor benefits, the marriage must have lasted at least nine months, and the deceased partner must have worked and paid Social Security taxes for at least 10 years. Widowers aged 60 and older may qualify, while disabled widowers can start receiving benefits as early as age 50. There’s also a provision for those caring for the deceased’s child who’s under 16 or disabled—age doesn’t matter in that case.
Common-law spouses may also be eligible in some states where such unions are legally recognized. If you’ve remarried after the age of 60 (or 50 if you’re disabled), it won’t disqualify you from getting the benefit.
How Much Will You Actually Get?
The average monthly payment is $1,316, but that’s just a benchmark. If you start collecting survivor benefits at age 60, you’ll typically receive around 71.5% of the full amount your spouse was entitled to. If you wait until your full retirement age—usually between 66 and 67 depending on your birth year—you could receive up to 100% of that amount. If you’re caring for a child under 16, the benefit is around 75%.
What You Need to Apply and Where to Do It
Getting the survivor benefit isn’t automatic—you need to apply. To get started, gather key documents: the death certificate of your spouse, your birth and marriage certificates, both of your Social Security numbers, and your bank account details for direct deposit. You can apply by calling the SSA at 1-800-772-1213, visiting a local Social Security office, or starting the process online (though not all survivor claims can be handled digitally).
It’s smart to apply as soon as you can. Some benefits can be paid retroactively, but usually only up to six months back. Waiting too long could mean losing out on money that could’ve helped right now.
Can You Get More by Waiting or Combining Benefits?
Yes, timing matters. If you delay your survivor benefits until full retirement age, your monthly check could be higher. And in some cases, you might want to claim one benefit first—like your survivor benefit—and switch to your own retirement benefit later, or vice versa. This kind of strategy can help you get the most out of your Social Security over time.
Keep in mind that if you’re still working and under your full retirement age, earning above a certain amount might reduce your monthly benefit temporarily.
When Will Payments Be Made in June 2025?
The disbursement dates for June depend on your birthday. If you were born between the 1st and 10th of the month, your payment will likely arrive on June 12. Those with birthdays between the 11th and 20th can expect it by June 19, and people born from the 21st to 31st should receive theirs by June 26. Payments are typically made via direct deposit, or a paper check if you haven’t set up an electronic account.
Don’t Forget About Other Support Options
Beyond the survivor benefit, you may also qualify for programs like Supplemental Security Income (SSI), Medicaid, funeral cost assistance, or even veterans’ survivor benefits if your spouse served in the military. It’s worth checking with your state’s human services department or a local SSA office to explore what else might be available.
Final Thoughts
The $1,316 Social Security payment for widowers in June 2025 is more than just a number—it’s financial breathing room for people going through one of life’s most difficult chapters. If you’ve lost your spouse, understanding the eligibility rules and filing your claim on time can help you get the support you’re entitled to without delays.
Disclaimer
This article is intended for informational use only and does not constitute financial or legal advice. Social Security rules may change, and actual benefits vary by individual case. Please consult the SSA or a certified advisor for the most accurate and up-to-date information.
