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Social Security Survivor Benefits No One Told You About

Deepa Kartha Oct 27, 2018
Social security is considered as an insurance which covers a person's retirement plans. However, social security does not stop when a person dies. The benefits can be passed to a person's spouse or other family members. Here is some information on social security survival benefits.
When a person starts working, some amount of the salary he receives gets collected in the person's social security account. Social security is important to secure the future of the person i.e. when he retires, loses his job or even when he becomes disabled.
However the financial security does not stop when the person dies. The benefits of the social security gets passed on to the surviving family members.

Criteria for Benefits of Social Security

1. The person has to work for 10 years.
2. He must have paid social security taxes and earned work credits at work.
The younger the age of the person, the lesser the credits needed. The maximum number of credits one needs, to be completely insured, is not more than 40. Also, if a person has been insured not long before his death, his family members are still entitled to receive the social security survivor gains.

Qualifying Regulation

- For a deceased person's spouse to receive survival benefits, he or she should be at least 60 or more than 60 years of age. If the spouse is more than 50 years old and is suffering from some disability, he or she can apply for social security benefits.
- If a spouse has not reached age of 60 and has a child or children under 16 or disabled, he or she is eligible to receive the benefits.
- If a person is divorced at the time of death, an ex-spouse above 60 years can claim social security benefits, if they were married for at least 10 years. If the divorced spouse has their child under his or her care, he or she would receive the benefits.
- Unmarried children of the deceased, under the age of 18 can get the benefits of social security.

If the deceased person is survived by parents above the age of 62, they are also entitled receive the benefits.

Monetary Dispersal

Survivors of the deceased person will receive money from the social security on monthly basis. The amount of money receivable by the survivors directly depends on earnings of the deceased person and on his or her relationship with the survivor. If the spouse has reached retirement age, he or she would receive 100% of the basic social security benefit.
However, if the spouse is less than 60 years of age, he or she may only get between 71.5% and 99% of the basic benefit. To receive the benefits of social security after the death of a loved one, one has to get in touch with the social security administration.
While applying for social security benefits, one would have to give the following details -

- Copy of Death certificate
- Social security number of the deceased person and the applicant
- Marriage certificate
- Birth certificate of the applicant
- Divorce papers, if relevant
- Social security numbers of dependent children
- W-2 form of the deceased person
Social security is an important way of securing the future of the people one loves. Social security survivor gains make sure that the survivors of the deceased do not face financial problems in the time to come.