When it comes to Social Security, many associate it with retirement benefits. However, a lesser-known fact is that approximately 2.7 million children receive Social Security benefits. A significant portion of these children are eligible for benefits following the passing of a parent who contributed to Social Security. According to Kathleen Romig from the Office of the Commissioner, nearly all children in the country could potentially receive these benefits if a parent passes away. In some instances, the surviving parent may also be entitled to benefits.
The Impact of Parental Loss
Research conducted by David Weaver at the University of South Carolina highlights the adverse effects of losing a parent on children, including financial instability, health issues, and disruptions in education. The Social Security benefits play a crucial role in alleviating some of these challenges.
The Value of Social Security Benefits
The benefits provided to surviving children and their families are invaluable. Regardless of their background, these families benefit from monthly payments that are determined based on the earnings of the deceased parent. On average, a surviving child receives over $1,000 per month until they reach the age of 18 or 19 if they are still in high school and unmarried. Additionally, other family members such as stepchildren, grandchildren, or adopted children may also be eligible for benefits under specific circumstances.
Special Circumstances for Adult Children
In some cases, adult children with disabilities that originated before the age of 22 and prevent them from working may also qualify for survivors' benefits. It is crucial for families with a child who has lost a parent to reach out to Social Security as soon as possible to begin the application process. The timing of the application can impact when the child's benefits commence, emphasizing the importance of prompt action in such situations, as stated by Kathleen Romig from the Office of the Commissioner.