While Social Security retirement benefits often take center stage, the program's survivors benefits are equally vital for financial security after a loved one's passing.

Survivor benefits kick in once the higher earner has died, and benefits can be stunted if the higher earner starts a retirement benefit early and will get bigger if the higher earner delays applying.

I'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 5 of the easiest ways you ...