C. Survivor
Family members may be eligible for Social Security survivor benefits when an individual covered by Social Security dies. They include:


  1. A widow or widower who is:
    • 60 or older; or
    • 50 or older and disabled; or
    • Any age if he or she is caring for the covered person's child who is younger than 16 or disabled and receiving Social Security benefits on the covered person's record.
  2. Unmarried children
    • Younger than 18; or
    • Between 18 and 19, but in an elementary or secondary school as full-time students; or
    • Age 18 or older and severely disabled (the disability must have started before age 22).
  3. Dependent parents - Parents who were dependent upon a child for at least half of their support at the time of the child's death are eligible for survivor benefits.
  4. Death payment - A spouse or minor children may be paid a one-time death benefit of $255 upon the death of a covered individual.

D. Family limitations
There is a limit on the amount of retirement, disability or survivor benefits payable to an entire family based on any one worker's record. This limit is known as the maximum family benefit.

Eligible children receive up to one-half of a parent's full benefit, but the maximum family benefit is usually between 150-180% of the of the covered person's benefit.


III. How Benefits Are Calculated

Related Articles
  1. Retirement

    Social Security Benefits for Children: How They Work

    There are millions of children in tough situations who receive Social Security benefits each month to help with finances. Here's who qualifies.
  2. Retirement

    Types Of Social Security Benefits

    Social Security isn't just for the retired. It also pays benefits to the disabled, widows and widowers, children, stepchildren, divorced spouses and more.
  3. Financial Advisor

    How to Help Clients Navigate Survivor Benefits

    Here are some ways to help client couples do what they can to maximize any potential Social Security survivor benefits.
  4. Financial Advisor

    How to Manage SS Disability & Retirement Benefits

    Advisors with clients who receive disability benefits can carve out a profitable niche by helping them integrate this income into a financial plan.
  5. Retirement

    How Social Security Benefits Are Estimated & Taxed

    The Social Security check you'll get depends on your work history, when you start claiming a benefit and these other factors.
  6. Retirement

    The Top 5 Social Security Mistakes to Avoid

    Social Security claiming strategies can be complex. Be sure to avoid these mistakes.
  7. Retirement

    Do You Qualify for Social Security Disability?

    When it comes to qualifying for Social Security Disability Insurance, you either do or you don’t. Here's how to find out if you do and how to apply.
  8. Retirement

    Understanding Social Security Eligibility

    Who qualifies for Social Security payments and when can they get them?
  9. Retirement

    Understanding Social Security Survivor Benefits

    Analyzing Social Security claiming strategies is an important step in retirement planning.
  10. Retirement

    How do Survivor Benefits Work?

    With nearly 5 million windows and widowers receiving monthly benefits from their deceased spouse’s earnings, survivor benefits represent a powerful component of the Social Security program. Rob ...
Frequently Asked Questions
  1. What are Common Examples of Monopolistic Markets?

    Discover what causes real instances of market monopoly, how it persists and where monopoly privilege is most common in the ...
  2. What is the gold standard?

    The gold standard is a monetary system where a country's currency or paper money has a value directly linked to gold, but ...
  3. What's the most expensive stock of all time?

    The most expensive publicly traded stock of all time is Warren Buffett’s Berkshire Hathaway.
  4. What is a "socially responsible" mutual fund?

    As the name suggests, socially responsible mutual funds invest exclusively in socially responsible investments.
Trading Center