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Lane
Lane, JD,CFP, MBA, CRPS
Category: Social Security
Satisfied Customers: 10127
Experience:  Law Degree, specialization in Tax Law and Corporate Law, CFP and MBA, Providing Financial, Social Security & Tax advice since 1986
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I am 68 and drawing SS and my 5 yr old son. We also get an

Customer Question

I am 68 and drawing SS for myself and my 5 yr old son. We also get an amount equal to my son's benefit for my wife as a care giver for my son. My wife is 39. I have a terminal illness. What will my surviving wife and son be able to draw from SS following my death?
Submitted: 1 year ago.
Category: Social Security
Expert:  Lane replied 1 year ago.

Good morning,

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This depends on several factors

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Age, whether you are taking a reduced benefit, her age when you pass,etc

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From Social Security, here: https://www.ssa.gov/planners/survivors/ifyou5.html

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  • Widow or widower, full retirement age or older -- 100 percent of the deceased worker's benefit amount;
  • Widow or widower, age 60 -- full retirement age -- 71½ to 99 percent of the deceased worker's basic amount;
  • Disabled widow or widower aged 50 through 59 -- 71½ percent;
  • Widow or widower, any age, caring for a child under age 16 -- 75 percent.
  • A child under age 18 (19 if still in elementary or secondary school) or disabled -- 75 percent.
  • Dependent parent(s) of the deceased worker, age 62 or older:
    • One surviving parent -- 82½ percent.
    • Two surviving parents -- 75 percent to each parent.
Expert:  Lane replied 1 year ago.

Let me know if you have questions

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Lane

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