­čö┤Social Security Survivors Benefit for Spouse and Child How Much Money Do You Get

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Wisdom Investor

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Subtitles:
today's video we're talking about Social Security survivor benefits for spouse and child so if your deceased spouse has passed away you may be entitled to compensation from the government now most people think of Social Security as retirement benefits however there are benefits that are provided by Social Security for a deceased person if you've been depending on their income we're gonna take a look at that here today let's just take a look at some basics here what it takes to be qualified for Social Security first of all the person who has passed away the deceased person needs to have been eligible for Social Security that's the first requirement now to qualify there's various folks and we're going to go into more details you need to be either a widow or widower that's 60 plus years old to qualify you could be a divorced spouse that's been married at least nine months it could be a spouse caring for a 16 year old that's disabled could be an unmarried child under 18 or older and it could be a 18 year old person that has a disability so we're going to go in and take a look at the Social Security benefits for survivors and child okay we're going to talk about this a little closer on who qualifies for Social Security survivor benefits these people qualify to receive Social Security survivor benefits if the person that died qualified for Social Security we talked about that just a moment ago but they have to have qualified for Social Security and typically that would be at least 62 or older now certain family members may be eligible to receive benefits including a widow or widower age 60 or older or age 50 or older if disabled a surviving divorced spouse under certain circumstances qualifies now the spouse must have been married at least nine months to receive benefits under the survivors benefits a widow or widower any age who is caring for the deceased child who is under 16 or disabled and receiving benefits on their record so if you're caring for a deceased child of the person that passed away you would qualify an unmarried child of the deceased who is younger than 18 or up to 19 if he or she is a full-time student in an elementary secondary school also aged 18 or older with a disability that began before age 22 our other family members eligible yes other family members are eligible under certain circumstances the following family members may be eligible a stepchild grandchild step grandchild or adopted child and even parents age 62 or older who were dependent on the deceased for at least half their support so if their parents were living with them and their son died or daughter died and they were depending on them for income half their income a parent could receive Social Security okay how much money do you receive so we're gonna take a look at that here and so let's take a look this how much money do you receive for benefits if your full retirement age that is you our full retirement age that would be typically 66 if you're born before 1960 and then after 1960 you would need to be 67 you would receive 100% of what the deceased was earning on Social Security the if your early retirement I'd be typically maybe 60 to 66 you would get somewhere in the range of 71 to 99 percent of the see spouse Social Security benefit they were receiving we'll go over some examples here in just a moment okay you as widow or widower may be able to get full benefits at for retirement age at your folder terminates the full retirement age for survivors is a 66 for people born in 1945 to 56 and the full retirement age will gradually increase age 67 for people born in 1962 or earlier so it's determined by your work record the spouses own work record the work record of deceased spouse what they are earning and the age the spouse starts collecting benefits prior to full retirement or before Social Security also can pay you two hundred and fifty five dollar one-time death death benefit if you were living with your husband when he died if you made more money than your husband then he might be doing widowers benefit on your record if you die before he does so in today's world we have some female spouses that earn more than the male spouse now back eight years ago the tradition was they male earn more but nowadays you will see the spouse in some cases earn more money than the the man and so in that case if the female passed away the male spouse would receive the benefit okay here's some examples here spouse dies and is qualified for $1500 per month you are a full retirement age of 66 or above so your spouse has passed away you're a 66 you're considered full retirement age you'll receive 100% of deceased spouse Social Security benefit so you would receive $1,500 per month in this case if your work record benefit is greater you get the higher amount however so what they're saying here is if you've been working and you earn more say sixteen or seventeen hundred per month you're gonna get the higher of the two but not both example two here spouse ties and qualified for 1500 per month you are not full retirement age of 66 of 62 so you haven't yet reached 66 you'll receive 71% of deceased spouse Social Security so you will receive 71% approximately which would be one thousand 65 per month approximate if your work record is greater than of course you would get the higher of the two can I collect benefits if my ex spouse has died you must have been married for 10 years or more in this case if you're going to collect from your ex spouse the deceased spouse must have been qualified for Social Security benefits also so the spouse that passed away had to been qualified and so you would need to be at least 60 years or older you could be disabled and between the ages of 50 and 60 if the disability occurred within seven years of the death you could be caring for the x-bow child under age of 16 who is receiving Social Security benefits on your ex-spouses record this is called the mother's or father benefit the marital status of your ex spouse at the time of his or her death has no effect on your ability to receive surviving ex-spouse disability or retirement benefits so if your ex spouse had remarried prior to dying you still could qualify if you meet this requirements but if you remarry before the age of 60 or before the age of 50 if you were disabled you won't be able to receive benefits as are surviving ex spouse however if that marriage later ends due to divorce death or annulment before the death of the or ex-spouse you would be able to receive surviving ex spouse benefits as though you never remarried if you remarry after you reach 60 years old or 50 years old if you are disabled it will have no effect on your ability to receive surviving ex spouse so the key here is if you remarry before the age of 50 or Ford is able to remarry before the age of 50 how much do I receive a my ex passed away and you qualify if you are at or above full retirement age you will get 100% of your deceased ex-spouses Social Security or disability benefits so if they were earning here's an example spouse dies and is qualified for $1,500 per month you are full retirement age 66 or above you'll receive 100% of deceased spouse Oh security you'll receive $1,500 the same as the ex was getting if your work record benefits greater you get the higher them out but not both now for the x-files benefit if you are between the ages of 60 and for retirement age you're receiving the range of seventy one point five to ninety nine percent of your deceased ex-spouse Social Security disability or retirement benefit example spouse dies and is qualified for 1500 you are not full retirement age of 62 you'll receive a portion of their 71% of the deceased spouse Social Security you will receive about about one thousand 65 per month approximate here I mean again if your work record is greater you'll get the higher amount one more scenario here for the ex spouse if you are between the ages of 50 and 59 and disabled you will receive seventy one point five percent of your deceased ex-spouse retirement benefits you must have become disabled before your ex spouse Tiger within seven years of his or her death so spouse dies and qualify for 1500 you are not full retirement age of 62 but that should be 66 you'll receive 71 percent of deceased spouse Social Security you receive about 1000 65 so if you're in a disabled person and you are not full retirement age and that's saying you're at 62 is what that's saying then you're going to get a percentage for the ex spouse situation if you are caring for a child under the age of 16 years old who is a receiving disability or retirement benefits on your deceased spouse Ike record you will receive 75% of your deceased ex spouse disability insurance or retirement benefit subject to the maximum family benefit example here is spouse dies qualified for 1500 you are not full retirement age you're at 62 you'll receive 75% of deceased spouse Oh security that's about 1125 that's in a case you're caring for a child under the age of 16 okay so we've been reviewing this situation Social Security survivor benefits for spouse and child we went over who qualifies and how much you receive I want to thank you for watching leave any comments that you may have thank you for watching

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