How much will I receive?
We base the benefit amount on the earnings of the person
who died. The more the worker paid into Social Security,
the greater your benefits will be.
Social Security uses the deceased workers basic benefit
amount to calculate the percentage survivors can get.
The percentage depends on the survivors age and
relationship to the worker. If the worker who died was
getting reduced benefits, well base your survivors benefit
on that amount. In most typical claims for benefits:
A widow or widower, at full retirement age or older,
generally gets 100 percent of the workers basic
benefit amount;
A widow or widower, age 60 or older, but under full
retirement age, gets about 71-99 percent of the
workers basic benefit amount; or
A widow or widower, any age, with a child younger
than age 16, gets 75 percent of the workers
benefit amount;
A child gets 75 percent of the workers benefit amount.
https://www.ssa.gov/pubs/EN-05-10084.pdf
Finally, do you have any family or friends you can reach out to? No children after a 20+ year relationship?