If a worker passes away, Social Security survivor benefits can offer essential financial assistance to the surviving family members. This includes monthly benefits for widows, widowers, surviving ex-spouses, young children, and even dependent parents of the deceased worker.
There are special regulations for the families of workers who have passed away at a young age.
Social Security survivor benefits can not be applied for online, it must be done in person at the local office.
Social Security survivor benefits
Although Social Security is most commonly associated with retirement benefits, it also offers support to the families of deceased workers. The amount of Social Security survivor benefits a person receives is based on the worker’s contributions to Social Security, similar to retirement insurance. Typically, a person needs to have worked for at least 10 years to be eligible for Social Security benefits.
Who is eligible to receive Social Security survivors benefits?
Social Security survivor benefits are meant to provide financial support to the loved ones of workers in the event of the worker’s premature death. Individuals who may qualify to receive monthly Social Security survivor benefits are:
- A husband or wife who is 60 years old or older. Those with disabilities may be eligible for benefits at the age of 50. A spouse who is looking after the deceased worker’s young child will receive benefits regardless of age.
- An unmarried child under 18 years old, or under 22 years old if they are disabled. Stepchildren, grandchildren, and adopted children may be eligible for benefits under specific circumstances.
- A dependent parent who is 62 years old or older and was financially dependent on the deceased worker.
- A former spouse who is 60 years old or older and was married to the deceased for at least 10 years.
How do I apply?
In the unfortunate event of the passing of a family member, take the necessary steps to report the death to the local Social Security office and apply for survivor benefits.
Note that you can’t request Social Security survivor benefits online, it must be done in person at the local office.
When applying for survivor benefits, you will be required to provide several original or certified documents.
These documents include:
- Evidence of death, like a death certificate
- Social Security numbers for yourself, the deceased, and any dependent parents or children
- Birth certificates and divorce papers if you’re seeking benefits as a child or divorced spouse
- The deceased’s most recent W-2 forms or tax returns
- Your bank account details for direct deposit
Certain special circumstances may have an impact on the eligibility of survivor benefits and the amount that can be received. For instance, a disabled spouse or child might be eligible for earlier and prolonged benefits. Also, getting remarried before 60 as a widow, widower, or surviving divorced spouse could impact your benefits.
You can get in touch with a qualified Social Security attorney for better understanding and to explore your options. They can provide valuable insight and help you make informed decisions.
