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On the flip side, my mom chose to be a stay at home mother/wife, but she ended up getting some social security of her own as a spousal benefit after my dad retired and she herself was old enough to receive it. Even though she never held a job outside the home in her adult life.
However, when my father passed away just a couple years after retirement hers had to be dropped and replaced with the amount my father was receiving.
So if there is a spouse, they will likely get it, IF the decease spouse's amount was larger. Otherwise, I guess it's gone and, as Katie mentioned, isn't a pot of money sitting waiting to be paid out.
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