Since you were not legally separated or divorced then you would inherit unless he has changed it without you knowing. Even if he did change it you would still get survivor benefits under social security.

If your husband dies with a will, heirs will be detrmined by that document only. If he dies intestate (without a will) the court will determine heirs and percentages. The most current documents, laws and company policies determine who receives any monies. The only thing you may get at age 62 is widow benefits from social security. If a court decides, generally the surviving wife gets 50% of the estate after debts are paid and the surviving children split the other 50%.

My mom out lived my dad by 25 years, She died recently august 6, 2010. They were separated 56 years. My Dad was a Veteran, Mom received all of his veteran benefits until death, and was buried in a military plot, even though they lived in different states. But was legally married, where she retained all the rights as his legal wife.