4 steps to know who can receive Social Security survivor benefits

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Understanding who can receive Social Security survivor benefits is essential. Eligible recipients include spouses, former spouses, children and dependent parents who meet the relationship and financial dependency rules. Spouses generally qualify at age 60 or older, or between 50 and 59 if disabled, while former spouses must have been married for at least 10 years. Children may receive benefits if they are under 18, full-time students aged 18–19, or disabled before age 22. The benefit amount is based on the worker’s earnings record, ranging from 71.5% to 100% depending on the age at which survivors claim.

Transcript

00:00Talking about this can be difficult, but it's important to understand.

00:04Who can receive Social Security payments after a worker passes away?

00:08We explain it in four key steps.

00:10Who qualifies?

00:12Spouses, former spouses, children, and dependent parents of the deceased worker

00:16as long as family relationship and financial dependency criteria are met.

00:21Age and conditions for spouses, generally 60 years or older.

00:26If disabled, between 50 and 59.

00:28For former spouses, the marriage must have lasted at least 10 years.

00:33Requirements for children, under 18, full-time students aged 18 to 19

00:38or children of any age who were disabled before age 22.

00:43Benefit amount, depends on the worker's earnings record.

00:46It can range from 71.5% to 100% of the average income

00:51depending on the age at which the payment is claimed.

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