The death of a loved one is among life’s most stressful and difficult experiences. In addition to overwhelming grief, the loss of a loved one can also result in an immediate, pressing need that affects everyone in your family: money.
Losing the income of someone who fully or partially supported you and the rest of their surviving loved ones financially can be devastating. Your life may be built around their income, and without it, you may be unable to pay for your mortgage, afford your daily living expenses, or save for retirement.
Every year, millions of Americans pass away, and many of those people were receiving Social Security Disability (SSD) benefits as their sole source of income when they died. That money was used to pay for their and their families’ living expenses, but what happens to it when they pass away, and can any of their dependents continue to receive it? Learn more about obtaining Social Security survivor’s benefits from a deceased spouse or parent.
Many family members qualify for survivor’s benefits when their loved ones who received Social Security retirement benefits pass away. The same is true if their deceased loved ones were receiving Social Security Disability benefits.
Spouses who are eligible to receive survivor’s benefits from a deceased SSD recipient include:
Factors that affect SSD benefit eligibility for surviving spouses include remarriage before the age of 60, having access to a retirement benefit that’s higher in value than the SSD benefits, having a job and earning wages, and being married to the deceased SSD recipient for less than nine months (with exceptions).
Natural, adopted, and stepchildren who are eligible to receive survivor’s benefits from a deceased SSD recipient include:
Children who are eligible for a deceased parent’s SSD benefits can receive up to 75% of their benefits.
Grandchildren who can receive survivor’s benefits from a deceased SSD recipient include:
Parents who can receive survivor’s benefits from a deceased SSD recipient include:
Sole surviving parents of deceased SSD recipients can get 82.5% of SSD benefits, while two surviving parents can each receive 75% of their benefits.
Yes, but there’s a limit to how much money they can receive. In total, survivors cannot receive more than 150% to 180% of a deceased SSD recipient’s benefits.
The Social Security Disability process is complex and often confusing. It’s easy for valid claims to slip through the cracks or be denied because of minor oversights. At Fleschner, Stark, Tanoos & Newlin, it’s our job to make sure valid claims get the attention and approval they deserve from the Social Security Administration.
That includes helping surviving family members obtaining survivor’s benefits from a deceased spouse or parent. If you need assistance with an SSD claim, get in touch with our firm today. We want to help your family get the money you need to move forward with your lives.
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