TIME Magazine default image

Will My Spouse and Kids Receive Benefits When I Die?

May 20, 2014

Survivor benefits are available for certain family members as long as you accumulated the 40 credits before dying.

Your children may qualify for 75% of your Social Security benefits based on your record of contributions, up until they turn 18 years old (or 19, in the case of a child still in elementary or secondary school). As for your spouse, he or she can receive a reduced benefit (71.5% of your benefits) as early as age 60, or your full benefit after reaching full retirement age. Those benefits will continue indefinitely unless your spouse remarries.

Benefits for your spouse and kids are also limited by a family maximum, which is the maximum amount that can be paid from your earnings record. For more details on survivor benefits, check out the Social Security Administration's Web site.

MONEY may receive compensation for some links to products and services on this website. Offers may be subject to change without notice.

Quotes delayed at least 15 minutes. Market data provided by Interactive Data. ETF and Mutual Fund data provided by Morningstar, Inc. Dow Jones Terms & Conditions: http://www.djindexes.com/mdsidx/html/tandc/indexestandcs.html. S&P Index data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. Terms & Conditions. Powered and implemented by Interactive Data Managed Solutions