For further information, read our publication Survivors Benefits. Generally, your parent also must not have married after your death; however, there are some exceptions. In addition to your natural parent, your stepparent or adoptive parent may receive benefits if they became your parent before you were age How much your family could receive in benefits depends on your average lifetime earnings.
The higher your earnings were, the higher their benefits would be. We calculate a basic amount as if you had reached full retirement age at the time you die. 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. Get your Social Security Statement online or check our Benefit Calculators for an estimate of the benefits your family could receive if you died right now.
There are limits on how much survivors may earn while they receive benefits. Benefits for a widow, widower, or surviving divorced spouse may be affected by several additional factors:.
If your widow, widower, or surviving divorced spouse remarries before they reach age 60 age 50 if disabled , they cannot receive benefits as a surviving spouse while they're married. If your widow, widower, or surviving divorced spouse remarries after they reach age 60 age 50 if disabled , they will continue to qualify for benefits on your Social Security record.
However, if their current spouse is a Social Security beneficiary, they may want to apply for spouse's benefits on their record. If that amount is more than the widow's or widower's benefit on your record, they will receive a combination of benefits that equals the higher amount. If the spouse is retired, the income received from Social Security will be yet another income stream that will help support the family.
The death benefit is a one-time payment. If you are disabled, that drops down to age If you choose to receive the pension at age 60, it will be reduced because that is not the full retirement age.
If you wait until your full retirement age, then you will receive the entire pension. If you are disabled, you can receive full benefits if your disability started either seven years or more before the death or within a seven-year period of the death. Like in the previous case, your pension will not be affected if you remarry. You must be age 60 or age 50 if you are disabled. Your pension will be reduced if you choose to receive it before your full retirement date. The amount that a widow or a widower will draw every month depends on the situation.
There are rules that try to cover all the possible scenarios. One size does not fit all. One factor is that the deceased worked and paid into Social Security. If you worked for at least 10 years, you can draw any Social Security benefit. In some cases, retired workers do not have to work that long. Here are the benefit amounts you would receive in different scenarios. A high percentage of older Americans live on nothing but Social Security income. A financial advisor can offer valuable guidance and insight as you consider how to approach retirement.
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