Social Security (Part 4): Benefits for Your Family
When you start receiving Social Security retirement or disability benefits, other family members also may be eligible for payments. For example, benefits can be paid to your husband or wife
- If he or she is age 62 or older
- At any age if he or she is caring for your child (the child must be younger than 16 or disabled and entitled to Social Security benefits on your record)
Benefits also can be paid to your unmarried children if they are
- Younger than 18
- Between 18 and 19 years old, but in elementary or secondary school as full-time students
- Age 18 or older and severely disabled (the disability must have started before age 22)
If you become the parent of a child (including an adopted child) after you begin receiving benefits, let the Social Security Administration (SSA) know about the child so they can decide if the child is eligible for benefits.
How much can family members get?
Each family member may be eligible for a monthly benefit that is up to half of your retirement or disability benefit amount. However, there is a limit to the total amount of money that can be paid to you and your family. The limit varies, but is generally equal to about 150-180% of your retirement or disability benefit.
If You Are Divorced
If you are divorced, your ex-spouse may qualify for benefits on your earnings. In some situations, he or she may get benefits even if you are not receiving them. To qualify, a divorced spouse must
- Have been married to you for at least 10 years
- Have been divorced at least 2 years
- Be at least 62 years old
- Be unmarried
- Not be eligible for an equal or higher benefit based on his or her own work or someone else's work
Survivors Benefits
When you die, your family may be eligible for benefits based on your work. Family members who can collect benefits include a widow or widower who is
- 60 or older
- 50 or older and disabled
- Any age if he or she is caring for your child who is younger than 16 or disabled and entitled to Social Security benefits on your record
Your children can receive benefits, too, if they are unmarried and
- Younger than 18 years old
- Between 18 and 19 years old, but in an elementary or secondary school as full-time students
- Age 18 or older and severely disabled (the disability must have started before age 22)
Additionally, your parents can receive benefits on your earnings if they were dependent on you for at least half of their support.
Payment After Death
If you have enough credits, a one-time payment of $255 also will be made after your death. This benefit may be paid to your spouse or minor children if they meet certain requirements.
If You Are Divorced
If you are divorced, your ex-spouse may be eligible for survivor's benefits based on your earnings when you die. He or she must
- Be at least age 60 years old (or 50 if disabled) and have been married to you for at least 10 years
- Be any age if he or she is caring for a child who is eligible for benefits based on your earnings
- Not be eligible for an equal or higher benefit based on his or her own work
- Not be currently married, unless the remarriage occurred after age 60 or after age 50 if disabled
Note that if you die and your ex-spouse remarries after age 60, he or she may be eligible for Social Security benefits based both on your work and the new spouse's work, whichever is higher.
How much will your survivors get?
Your survivors receive a percentage of your basic Social Security benefit—usually in a range from 75-100% each. However, there is a limit to the amount of money that can be paid each month to a family. The limit varies, but is generally equal to about 150-180% of your benefit rate.
U.S. Social Security Administration. (Updated 2014, January). In Understanding the benefits (SSA Publication No. 05-10024). Retrieved October 10, 2016, from http://www.socialsecurity.gov/