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 Social Security Benefits: A Helpful Discussion On Conditions To Obtain The Benefit & How To Collect After A Family Member's DeathThe loss of a family member could be devastating, both emotionally & financially. Social Security is meant to be a survivor program along with a retirement program. Most people are aware of Social Security retirement benefits, and some may even be aware that Social Security has disability benefits, but are you conscious that there are Social Security death benefits as well? In this article we'll discuss the one-time lump sum death benefit, per month survivor benefits, who qualifies for survivor benefits, and ways to apply for benefits when a family member dies.One-Time Death Benefit: You might receive a one-time payment of $255 when a family member dies, based on your relationship to them and how long they have worked. Generally, only surviving spouses and kids of deceased workers qualify for the one-time death benefit. Moreover, the deceased family member must have worked long enough to be insured under Social Security, but it does not matter if they were already collecting Social Security or not. Death benefit payment is made to the surviving spouse living with the dead person at the time he/she passed, or if there's no surviving spouse, the payment is made to a child of the dead person. Spouses who are not living together when one spouse dies may still receive the death benefit if they were eligible for benefits on the dead spouse's earnings in the month the spouse passed. If there's no surviving spouse or child who qualifies for the payment, then no payment will be made. That's a one-time, lump sum benefit; but many survivors may qualify for a monthly benefit besides the one-time death benefit. Monthly Survivor Benefits: In addition to the one-time payment, certain family members may receive a per month benefit for a dead person. Widows, widowers, children and dependent parents may qualify for per month survivor benefits. In a few cases, even divorced widows and widowers could qualify to receive benefits when their ex-spouse dies. The per month survivor benefit is also referred to as "survivors insurance" as it is much like a life insurance plan. To be eligible for Social Security survivor benefits, the dead worker must have worked and earned credits towards Social Security benefits. The number of years necessary to work depends on the age of the dead family member. The following family members could qualify for survivor benefits: - a widow or widower, beginning at age fifty if disabled or sixty is not disabled; - a widow or widower who is caring for your child under the age of sixteen, no matter the age of the widow or widower, - unmarried children of the deceased also qualify if they're under age eighteen (or age twenty two if they're handicapped). - in some cases, even grandchildren, step children or adopted children may qualify for survivor benefits. If you're divorced, you might qualify for survivor benefits on an ex-spouse if you were married for at least 10 years, and you're age 60 or older when your ex-spouse passes (you only have to be age 50 if you're handicapped). Applying for Survivor Benefits: Social Security must be notified and Social Security widow benefits should be applied for right away after a family member has passed. To do so, you can call the Social Security Administration or visit the nearest office to you. You'll need to present proof of death (death certificate or proof from funeral home), your Social Security number and your dead family member's Social Security number, your birth certificate, marriage certificate if married, divorce papers if you're divorced, and income information for the deceased family member (from W-2s or income tax returns) for the most recent year. Social Security Eligibility Rules: How Can A Full-Time Housewife Get Social Security? When Social Security was first established, most families only had one bread-earner, and only the working spouse qualified for retirement benefits. This caused financial difficulties for the spouse who didn't work (and therefore didn't qualify for Social Security) if the working spouse passed away first. Social Security Survivor Benefits- The Thing Women Should Know About When Social Security was established most women did not work. Lower or no earnings combined with a longer life span meant poverty for many women when their husbands passed away. Social Security recognized these challenges and have implemented several changes to the system to help women avoid poverty. Making Use Of Government Awards So That You Can Upgrade And Improve Your Own Home. Being on the property ladder whether renting or owning your own home it can be a very expensive ordeal. Learn How To Improve Your Own Credit Check Score In 5 Painless Methods Having a good credit check score is an absolute must in today's lending environment. In this lagging economic environment, your credit check score is certainly more important than ever. Tips To Be Accepted For Social Security Benefits Social Security was originally created to provide retirement benefits to workers, but the program has grown tremendously and now Social Security provides disability benefits, death benefits and other family benefits in addition to retirement benefits. Social Security Benefits: A Few Vital Details On Cost Of Living Adjustment For the second year in a row people who rely on Social Security will not be receiving a cost of living increase. This is only the second time since the cost of living adjustment (COLA) was adopted that recipients have not received an increase. 3 Ways A Financial Planner Could Help You Realize Your Own Financial Objectives Many people wonder exactly what a financial planner does, and how they can help you. Here are just three ways a financial planner can help you achieve your financial dreams and goals. Important Information And Facts About Financial Planners There are many different types of financial planners. Not only are financial advisors compensated differently, but the services they provide vary quite a bit as well. Here is a quick summary of the different types of financial advisors and how they can help you. Other Readings
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