A child suffering the death of a parent or guardian can receive up to 75% of the deceased’s Social Security retirement benefits until age 18 or 19 (or longer if the child is also disabled). Social Security may also pay her one-time death benefit of $255.
Social Security survivor benefits for children are intended to provide a monthly income to help a child graduate from high school after the death of a parent or guardian.
How do child social security benefits work?
For a child to be eligible for Social Security Survivor benefits, the child’s parents must meet one of two conditions.
The parent must be retired or disabled and eligible for Social Security benefits.
Parents must have died in jobs that paid Social Security taxes.
If the deceased parent meets one of these conditions, the child is eligible for Social Security Survivors benefits if they are unmarried and meet one or more of the following criteria:
Children are under the age of 18.
Children are full-time high school students up to 19 years old.
is an adult with a disability that began before the child turned 22.
In special circumstances, grandchildren may be eligible for Social Security survivor benefits. This can happen, for example, when grandparents legally adopt grandchildren or when a parent was already the child’s legal guardian at the time of death.Stepchildren, step-grandchildren and adopted children are also covered.
How long will my child receive Social Security benefits?
Children are entitled to Social Security Survivors benefits until they marry or turn 18. If the child is still in high school, the benefits will continue until she graduates or until she reaches the age of 19 for two months, whichever comes first. Children with disabilities that began before age 22 can continue to receive benefits as long as they remain disabled.
How much is a child’s social security survivor benefit?
Eligible children can receive up to 75% of the deceased parent’s basic Social Security retirement benefits. Social Security may also pay her one-time death benefit of $255.
There is a cap on how much a family can receive from Social Security each month. Collectively, the family can receive her 150% to her 180% of the deceased parent’s full benefits.If the total family benefit exceeds the cap, each person’s benefit will be reduced proportionally.
For example, if four members of a family each receive $500 a month (a total family benefit of $2,000), and the maximum family allowance is $1,800, the Social Security Administration will reduce each person’s benefits by $50. increase.
How to Apply for Child Social Security Survivor Benefits
Social Security does not automatically transfer money to children when a parent dies. Parents of children should act immediately to ensure the interests of their children. In some cases, Social Security benefits are based on the date the parent applied, not the date the parent died.
To qualify, you must apply for a lump sum payment of $255 within two years of the date of death..
You can apply for social security benefits over the phone or at a social security office. The domestic toll-free number is 800-772-1213. Find a local office on the Social Security website.
Please prepare the following documents.
Child’s birth certificate or other proof of birth or adoption.
If the child is a stepchild, proof of the parent’s marriage to the child’s biological or adoptive parent.
Proof of the child’s U.S. citizenship or legal alien status if the child was not born in the U.S.
W-2 Form or self-employed tax return (if the child had income last year).
Adult Disability Report (Form SSA-3368) and Authorization to Disclose Information to the Social Security Administration (Form SSA-827) if the child is an adult with a disability before age 22.
The Social Security Administration (SSA) asks many questions to determine eligibility. These questions include personal information, your relationship with the deceased parent, other children who may be eligible for benefits, your income, and more. The SSA also asks about parental deaths, employment records, military service, social security benefits, and other factors. Additional questions may be asked depending on the information you provide.