What term describes the period after the death of a family income provider during which the surviving spouse does not receive any Social Security benefits?

The term that defines the period after the death of a family income provider during which the surviving spouse does not receive any Social Security benefits is the Blackout period. This specific phase typically occurs between the time a surviving spouse loses access to Social Security benefits based on the deceased spouse's earnings and the point at which they may become eligible for benefits based on their own work record or when they reach retirement age.

Understanding this concept is crucial for planning and financial security for families that rely on Social Security income. The Blackout period can have significant implications for the financial stability of the surviving spouse, as they may need to find alternative means of income during this time. Additionally, the term clearly differentiates this situation from other potential periods in insurance and financial planning, such as a grace period which refers to a time frame allowing late payment of premiums without losing coverage.