Social Security offers a benefit to eligible retirees who have contributed a certain amount of work to the Social Security Fund throughout their lives. Social Security can also provide benefits to their dependents. The potential beneficiaries are surviving spouses, along with children, dependent parents, and grandchildren. Dependents can be eligible to receive payments up to 70% to 100%, based on the qualified retirees’ benefits. So, retirees’s social security number is essential in their life. To protect it from identity theft or lost, contact alldocuments and make a replacement copy of your card.
Benefits for the Spouses of Retirees
The retiree who is collecting Social Security benefits can be eligible to get spousal benefits. The spousal payment can be equal to up to one-half of the monthly payments of the retiree. To obtain the benefits, the retiree must be at least 62 years old or caring for a child whose age is under 16 years or is disabled. The person needs to entitle to receive benefits on the work record.
If your earnings records mean you have done a lot more, you may be eligible to receive larger for spousal benefits from Social Security. But, if you are still working along with receiving benefits early from SSA may be reduced your payments further because you cross your limits of earnings. Once you reach your retirement age, this law no longer applies.
Benefits for Surviving Spouses
Widows or widowers also can obtain Social Security benefits based on their spouse’s SS benefits. You must reach your normal retirement age to receive these benefits. Surviving spouses can be eligible to receive 100% of their deceased spouse’s benefits by the SSA. First, they need to meet their normal retirement age, like at least 60. If anyone delays receiving benefits, which results in higher monthly payments.
Besides, a younger surviving spouse can get a benefit if they are caring for a child of a deceased worker. The child must be under 16 years of age or disabled to receive the benefits. Depending on the income record of the late spouse, the person can collect 75% benefit from the SSA.
Benefits for Divorced Spouses
If you have been separated after living with your spouse for at least ten years, you may be eligible to receive the equivalent of one-half of the divorced spouse’s benefits. The rules are similar to both parties to receive benefits. There can be an exception if you are receiving benefits before divorcing your former spouse, then you won’t be allowed to collect SS benefits.
However, you must be at least 62 years old, and your divorce must be finalized with at least two years. You have to be the first marriage if your spouse had more than one marriage. Each marriage would not allow receiving benefits; SSA will only choose the former marriage who lived at least ten years with a spouse.
Benefits for Children and Grandchildren
Children can be eligible for benefits as a dependent of a surviving parent or a survivor of a deceased worker who collects Social Security retirement or disability benefits. For these purposes, children need to meet some criteria such as their years will be under 18 and will be unmarried. If they are age of 19 and still in school, they will be qualified to collect benefits till the date of graduation or two months after their 19th Birthday.
The benefit payments for the kids will not reduce the living parent’s retirement benefits. The amount of the payments the kids could obtain, adjusted to the parent’s benefits, will increase the parent’s monthly payments. Besides, a dependent child can get up to half of the benefit of a living parent who receives SS benefits. If the parent was deceased, the surviving child would be eligible to get up to 75% of the SS benefit dependent on the parent’s earning records done through their lifetime.
Grandchildren can also be qualified to receive SS benefits if the children lost their parents and are dependent on their grandparents. The benefit payments will be calculated based on grandparents’ earnings record.