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The process can also be confusing, especially if you need to file a return for someone who wasn’t your spouse and whose finances are a mystery to you. When you are eligible for two benefits, such as a survivor benefit and a retirement payment, social security doesn’t add them together but rather pays you the higher of the two amounts. When a social security beneficiary dies, his or her spouse may be able to collect survivor benefits

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Learn whether you qualify and how to apply. Social security will not combine a late spouse's benefit and your own and pay you both Spouses of deceased social security beneficiaries may be able to collect survivor benefits for life, but remarrying can affect eligibility.

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If your spouse had not yet reached full retirement age, social security bases the survivor benefit on the deceased’s primary insurance amount.

Social security can pay benefits to a deceased recipient's former spouse Anyone who was married to a social security beneficiary can potentially receive survivor benefits on the death of that person That includes divorced former spouses as well as the deceased's husband or wife at the time of death. Find out if you have to return a social security payment deposited in the bank after a loved one dies.

Widows and widowers make up most recipients of survivor benefits, but if your partner dies, your kids could also be eligible for monthly payments “these benefits provide a source of income to eligible children of deceased parents, helping to replace lost parental earnings and support the child’s basic needs,” basso says. Andy markowitz is a writer and editor for aarp, covering social security and fraud.