8.3.1 SS Death Benefits
Social Security benefits can be paid in the form of death benefits, retirement benefits and disability benefits. First, we'll discuss the death benefits.
Lump Sum Death Benefit
Only the surviving spouse or eligible children are entitled to this benefit.
- Social Security pays the spouse or children of a deceased worker a one-time lump sum death benefit equal to three times the worker's PIA with a CAP of $255.
Surviving Spouse's Benefit
Only the surviving spouse of a fully insured deceased worker is entitled to this benefit.
- The spouse at age 65 - Monthly life income equal to the worker's PIA at death
- The spouse at 60 to 64 years of age - Reduced benefit
- The spouse (regardless of age) with a child under age 16 (or age 22 if disabled*) who was a dependent of the deceased worker - Additional benefit of 75% of the deceased worker's PIA
*Note: As long as the child remains disabled and under the care of the surviving spouse, this benefit will continue indefinitely.
Child's Benefit
Only the child who was a dependent of the deceased worker is entitled to this benefit.
- The child under age 18* (or 19 if still in high school or disabled before the age of 22) - 75% of the worker's PIA
*Note: If the child marries prior to age 18, the benefit terminates.
Parents' Benefits
Only dependent parents of the deceased worker who were at least one-half supported by the worker at the time of the worker's death are eligible for this benefit. Parental benefits begin at age 62.
- One parent - 82.5% of the worker's PIA
- Two parents - Each receives 75% of the worker's PIA
Maximum Survivor Benefits
The maximum family benefit is limited and varies according to the deceased worker's PIA. If the total benefits due to a spouse and children exceed this limit, their benefits will be reduced proportionately.
