AN OVERVIEW OF BENEFITS (Part II)

By Jinky C. Mesias

SOCIAL SECURITY BENEFITS FOR FAMILY MEMBERS

Families of Social Security members are also covered by Social Security Benefits. When members retires or became disabled their members also received their share of Social Security Benefits.

For spouse if he or she reaches the age of 62 or older receives a monthly benefit. Also for spouse who takes care of the member’s child under the age of 16 or takes care of a child who receives social security benefits entitles the spouse to receive social security benefits. Unmarried children under age 18 or under age 19 who is either a full-time student in elementary or secondary school may also be given social security benefits. And also a child of age 18 or older who is severely disabled is entitled to receive social security benefits.

Each of the family members may be able to receive up to 50% of the retirement or disability benefit however social security benefits are only limited up to 150% to 180% depending on the circumstances faced by the family. The benefit given to the social security member is not all affected or reduced by the amount of benefits given to his or her family. And even the benefits given to the ex-spouse with whom the social security member has been married for at least 10 years would have no effect or whatsoever on the benefit given to the member and to his or her other family.

SOCIAL SECURITY SURVIVORS BENEFITS

In the Social Security Survivors’ Benefits, this is where accumulated credits are applied. For members who have accrued enough credits during their working years his or her family members are eligible for Social Security Survivors’ Benefits.

The eligible family members include widows and widowers ages 62 and older, disabled widows or widowers ages 50 and up, widows and widowers caring for a child under 16 years of age and who is receiving Social Security Benefits, unmarried children under the age of 18 or under age 19 either a full time elementary student or secondary school, or age 18 or older but is severely disabled and lastly parents who are dependent entirely or not upon the social security member will also receive social security benefits.

In addition, the Social Security also provides survivor benefits for divorced widows and widowers after the death of their ex-spouse who is a social security member. The benefit given to them will be based upon the Social Security account of the deceased member.





About the author:
Jinky C. Mesias is a graduate of Bachelor of Arts and Sciences in Business Administration Major in Business Management. She is at present an Associate Manager of a Life Insurance Corporation and a freelance writer.

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