If you are the divorced spouse of a worker who dies, you could get benefits the same as a widow or widower, provided that your marriage lasted 10 years or more. Benefits paid to you as a surviving divorced spouse won't affect the benefit amount for other survivors getting benefits on the worker's record. If you remarry after you reach age 60 age 50 if disabled , the remarriage will not affect your eligibility for survivors benefits. If you are caring for a child under age 16 or disabled and gets benefits on the record of your former spouse, you would not have to meet the length-of-marriage rule.
The child must be your former spouse's natural or legally adopted child. If you are the unmarried child under 18 up to age 19 if attending elementary or secondary school full time of a worker who dies, you can be eligible to receive Social Security survivors benefits.
And you can get benefits at any age if you were disabled before age 22 and remain disabled. Besides the worker's natural children, their stepchildren, grandchildren , step grandchildren, or adopted children may receive benefits under certain circumstances. If you are the dependent parent, who is at least age 62, of a worker who dies, you may be eligible to receive Social Security survivors benefits. We base your survivors benefit amount on the earnings of the person who died.
The more they paid into Social Security, the higher your benefits would be. The monthly amount you would get is a percentage of the deceased's basic Social Security benefit. It depends on your age and the type of benefit you are eligible to receive. If the person who died was receiving reduced benefits, we base your survivors benefit on that amount.
There's a limit to the amount that family members can receive each month. The limit varies , but it is generally equal to between and percent of the basic benefit rate. If the sum of the benefits payable to family members is greater than this limit, the benefits will be reduced proportionately.
Any benefits paid to a surviving divorced spouse based on disability or age won't count toward this maximum amount. There's a form available that those businesses use to report the death. With Social Security, each payment received represents the previous month's benefits.
So if a person dies in August, the check for that month — which would be paid in September — would need to be returned if received. If the payment is made by direct deposit, the bank holding the account should be notified so it can return benefits that shouldn't have been delivered. It may be no surprise that using someone else's benefits after they die is a federal crime , regardless of whether the death was reported or not.
If the SSA receives notice that fraud might be happening, the allegation is reviewed and potentially will warrant a criminal investigation. To combat duplicity, the agency matches records with other government entities to identify unreported deaths. If a spouse or qualifying dependent already was receiving money based on the deceased's record, the benefit will auto-convert to survivors benefits when the government gets notice of the death, Sherman said.
If the widow or widower has reached their own full retirement age, they can get their deceased spouse's full benefit, Sherman said. They can apply for reduced benefits as early as age 60 or, generally, age 50 if disabled , in contrast to the standard earliest claiming age of Meanwhile, if the survivor qualifies for Social Security on their own record, they can switch to their own benefit anytime between ages 62 and 70 if that payment would be more.
Share with linkedin. Share using email. Priority goes to a surviving spouse if any of the following apply: The widow or widower was living with the deceased at the time of death. If there is no eligible spouse or child to collect it, no death benefit is paid.
Keep in mind The death benefit is a one-time payment, not to be confused with survivor benefits , which are continuing payments made to the surviving spouse, ex-spouse , children or, in rare instances, the parents of the deceased. Updated October 23, Do I have to return the Social Security payment sent to the bank this month?
Can Social Security benefits go to the estates of beneficiaries who've died? Family Caregiving. Leaving AARP. Got it! Please don't show me this again for 90 days. Cancel Continue. Thank You.
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