Frequent Topics


Social Security Retirement

You can start your Social Security retirement benefits as early as age 62 or as late as age 70. Your monthly benefit amount will be different depending on the age you start receiving it. If you choose to: Read more

Social Security Survivors

When a person who has worked and paid Social Security taxes dies, certain members of the family may be eligible for survivors benefits. Up to ten years of work is needed to be eligible for benefits, depending on the person's age at the time of death. Read more

Social Security Disability

The Social Security disability insurance program (sometimes referred to as SSDI) pays benefits to you and certain family members if you worked long enough and paid Social Security taxes.  Read more

Supplemental Security Income (SSI)

The Supplemental Security Income (SSI) program pays benefits to disabled adults and children who have limited income and resources. SSI benefits also are payable to people 65 and older without disabilities who meet the financial limits.  Read more

Medicare

Medicare is our country’s health insurance program for people age 65 or older. Certain people younger than age 65 can qualify for Medicare, too, including those who have disabilities and those who have permanent kidney failure or amyotrophic lateral sclerosis (Lou Gehrig’s disease). Read more


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Social Security Survivors

When a person who has worked and paid Social Security taxes dies, certain members of the family may be eligible for survivors benefits.

Up to ten years of work is needed to be eligible for benefits, depending on the person's age at the time of death.

Who is eligible for survivors benefits

Social Security survivors benefits can be paid to:

      * A widow or widower -- full benefits at full retirement age, or reduced benefits as early as age 60
      * A disabled widow or widower -- as early as age 50
      * A widow or widower at any age if he or she takes care of the deceased's child who is under age 16 or
         disabled, and receiving Social Security benefits
      * Unmarried children under 18, or up to age 19 if they are attending high school full time. Under certain
         circumstances, benefits can be paid to stepchildren, grandchildren, or adopted children.
      * Children at any age who were disabled before age 22 and remain disabled.
      * Dependent parents age 62 or older

Note: If you are divorced, you may still qualify for survivors benefits.

You can receive Social Security survivors benefits and work at the same time. However, depending on your age, your benefits could be reduced if you earn more than certain amounts.

How divorce affects survivors benefits

If your divorced spouse dies, you can receive benefits as a widow/widower if the marriage lasted 10 years or longer and you are age 60 or older (or age 50 if you are disabled.)

Benefits paid to a surviving divorced spouse who is 60 or older (age 50 if disabled) will not affect the benefit rates for other survivors receiving benefits.

Note: You do not have to meet the length-of-marriage rule if you are caring for a child under age 16 or disabled who is getting benefits on the record of your former spouse. (The child must be your former spouse's natural or legally adopted child.) However, if you qualify because you have the worker's child in your care, your benefit will affect the benefit amounts of others on the worker's record.

How remarriage affects survivors benefits

In general, you cannot receive survivors benefits if you remarry before the age of 60 unless the latter marriage ends, whether by death, divorce, or annulment.

If you remarry after age 60 (50 if disabled), you can still collect benefits on your former spouse's record. When you reach age 62 or older, you may get retirement benefits on the record of your new spouse if they are higher.

Your remarriage would have no effect on the benefits being paid to your children.

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