SSA survivor benefits provide essential financial assistance to the relatives of a deceased worker who satisfy particular eligibility prerequisites.
Social Security survivor benefits are monthly payments that are calculated based on the contributions the deceased worker made to the Social Security system during their lifetime. These benefits serve as a lifeline to spouses, children, and parents who have suffered a financial loss due to the death of their loved one.
SSA Qualifications Age and Disability
Key qualifications for survivor benefits include the age of the surviving spouse, which must be over 60 years old (or 50 if disabled). Surviving divorced spouses may also be eligible, contingent on specific rules. Children of the deceased under 18 (or 19 if they are still in school) can qualify, as can children who developed a disability before turning 22.
In certain cases, stepchildren, grandchildren, step-grandchildren, and adopted children may also be eligible. Additionally, parents who are 62 or older and were dependent on the deceased for at least 50% of their support may qualify for survivor benefits.
Notably, the U.S. Supreme Court’s 2015 ruling granting same-sex couples the constitutional right to marry in all states has broadened eligibility. This change ensures that same-sex couples can now qualify for survivor benefits, even if they were previously denied benefits before June 26, 2015.
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Benefit Calculation Based on Deceased Worker’s Income
The amount of survivor benefits depends on the deceased worker’s income, with higher-earning individuals resulting in higher benefits for their survivors.
In 2023, the projected average monthly benefit for a surviving spouse over 60 years old is estimated to be $1,845, thanks to an 8.7% cost-of-living adjustment, which ensures that benefits keep pace with rising living costs.
In addition to monthly benefits, eligible survivors may also receive a one-time lump-sum death payment of $255. To qualify for this payment, survivors must apply within two years from the date of the worker’s passing.
Applying for survivor benefits is a process that must be done in person or over the phone, rather than online. This personalized approach ensures that the application process is as smooth and accurate as possible.
During times of loss, Social Security survivor benefits offer essential economic stability, helping families cope with the financial impact of a loved one’s passing. If you need to apply for or report a death, the Social Security Administration can provide guidance and support. These benefits serve as a vital safety net during one of life’s most challenging chapters.
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