Survivor Benefits through Social Security

🧓 Social Security Basics

Social Security provides monthly income to:

• Retirees

• Disabled individuals

• Survivors of deceased workers

• Some dependents

To qualify, you need to earn enough "credits" (also called quarters).

💰 Earning Quarters (Credits)

• You earn 1 credit per $1,730 in earnings (as of 2024).

• You can earn up to 4 credits per year.

• So, if you earn at least $6,920 in a year, you get all 4 credits.

How many do you need?

• Retirement: 40 credits (10 years of work)

• Disability: Depends on age (e.g., if you're under 24, only 6 credits needed)

• Survivor benefits: Also depends on how old the deceased was

🖤 Survivor Benefits

If someone dies, their spouse, children, or even parents may qualify for benefits.

Key types:

• Widow(er): Can begin receiving benefits as early as age 60 (or 50 if disabled)

• Young widow(er): If caring for a child under 16 or disabled, no age restriction

• Children: Can get benefits if under 18 (or 19 if still in high school)

• Dependent parents: May qualify if age 62+ and financially dependent

How long must the worker have worked?

• Generally, at least 10 years (40 credits)

• But for younger workers, a minimum of 6 credits earned in the 3 years before death may qualify survivors

Will you receive survivor benefits if a family member dies? Know what options you have and be informed.