Why Widows Can’t File for Benefits Online

A widow needing to file for their benefits in person has nothing to do with government bias.
Why Widows Can’t File for Benefits Online
There are choices to be made when filing for widow's benefits. Jose Porras Perez/Shutterstock
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Q: My husband died several months ago. I’m 64. I’m getting my own retirement benefits, and he was getting his own benefits. His Social Security check was more than mine, so I think I am due widow’s benefits. When I tried to file a claim online, I wasn’t allowed to. I was told I need to make an appointment to file a claim in person. What’s going on? Is the government so biased and backwards that they think a woman can’t use a computer to file for benefits? Can you explain this?

A: Yes, I can explain what’s going on. But first, I must comment on your assumptions about government bias. I am always surprised, and frankly a little disappointed, that people just automatically assume the worst about the services they get from the government in general, and in your case, the Social Security Administration in particular.

Tom Margenau
Tom Margenau
Author
Tom Margenau worked for 32 years in a variety of positions for the Social Security Administration before retiring in 2005. He has served as the director of SSA’s public information office, the chief editor of more than 100 SSA publications, a deputy press officer and spokesman, and a speechwriter for the commissioner of Social Security. For 12 years, he also wrote Social Security columns for local newspapers, and recently published the book “Social Security: Simple and Smart.” If you have a Social Security question, contact him at [email protected]