Family members may be eligible for Social Security survivor benefits when an individual covered by Social Security dies. They include:
- 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.
- 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).
- 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.
- 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
Financial AdvisorAdvisors and their clients tend to focus on Social Security retirement benefits. Social Security also offers dependent benefits. Here's how they work.
RetirementThere are millions of children in tough situations who receive Social Security benefits each month to help with finances. Here's who qualifies.
RetirementEverything you need to know about the three primary Social Security programs, how they work and who qualifies for them.
Financial AdvisorHere are some ways to help client couples do what they can to maximize any potential Social Security survivor benefits.
RetirementSocial Security isn't just for retirement. Learn about all three benefits provided by the Social Security Administration: retirement, survivor and disability.
RetirementHere is how Social Security works.
RetirementThe Social Security check you'll get depends on your work history, when you start claiming a benefit and these other factors.
RetirementYou don't automatically get your spouse's IRA, 401(k) and other accounts when he or she dies. Here's how to plan so the right survivors get the funds.
RetirementWho qualifies for Social Security payments and when can they get them?
RetirementWhen 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.