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Survivors Benefits After a Parent's Death

Unfortunately, young men and women die due to accidents or diseases every day, and in many cases they leave behind a family who depends on them for financial support. When a family loses a wage earner, it can be devastating financially and greatly affect the family’s standard of living.

According to the Social Security Administration, 98 out of every 100 children are entitled to benefits if a working parent dies. What’s more, Social Security pays more benefits to children than any other federal program that exists.

Survivors Insurance from Social Security

Social Security is more than a disability and retirement program; some of the Social Security taxes that are taken out of your paycheck actually go towards providing survivors insurance for your family.

Many people do not realize that the value of their survivors insurance under Social Security is likely worth more than the value of their individual life insurance.

When a worker dies, certain family members may be eligible for survivors benefits, which include widows, widowers, children, dependent parents, and divorced widows and widowers.

Who is eligible for survivors benefits?

  • A widow or widower may be able to receive benefits once they reach full retirement age, which is 66 for people born between 1945 and 1956.
  • A widow or widower may receive benefits at any age if they are receiving Social Security benefits and caring for your disabled child who is 16 or younger.
  • Unmarried children under the age of 18, or up to the age of 19 if they are still in high school.
  • Children at any age who became disabled before the age of 22.
  • Under certain circumstances: stepchildren, grandchildren, step grandchildren, or adopted children.
  • Dependent parents age 62 or older.

How much benefits can your family receive from Social Security? It depends upon your average lifetime earnings. Essentially, the more that you paid into Social Security, the more benefits there will be. We suggest that you check your Social Security statement to see the estimate of survivors benefits that could be paid, along with other important information.

Call Zendeh Del Law Firm, PLLC today!

Contact the Zendeh Del Law Firm, PLLC if you are interested in learning more about survivors benefits. We gladly serve clients all throughout Plano, Dallas and the surrounding areas.