Q. I am receiving Social Security benefits. I was married 16 years and then I divorced. My ex died, but I’m not receiving widow’s benefits. What should I do? — Looking for more A. Social Security benefits can be very complicated. Here’s what to consider. Generally, you can receive survivors benefits based on a deceased ex-spouse’s work record if your marriage to that person lasted 10 years or more, said Brian Schiess, a certified financial planner with Modera Wealth Management in Westwood. You can begin receiving reduced survivor benefits at age 60 or older, or age 50 or older if you are disab…