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Lane
Lane, JD,CFP, MBA, CRPS
Category: Social Security
Satisfied Customers: 10833
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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If married with a child how much ss benfits are we intilled

Customer Question

if married with a child how much ss benfits are we intilled to
JA: These retirement benefits are supposed to help us but they can be so complicated! The Retirement Expert will help you get the most benefits propertly. Please tell me more, so we can help you best.
Customer: had a stroke in 2011 noww married with a babay age 61
JA: Is there anything else the retirement accountant should be aware of?
Customer: work since 1967
Submitted: 3 months ago.
Category: Social Security
Expert:  Lane replied 3 months ago.

Hi. My names Lane

...

The FORMULA tat Social Security uses to determine your benefit is very complicated ... It averages out your highest 35 years of earnings, after inflating the historical earnings for each year to current dollars (actually to your age 60).

...

But once that formula generates your benefit - here's what happen with the child and mother:

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Your eligible child can be your biological child, adopted child or stepchild. A dependent grandchild may also qualify.

To receive benefits, the child must be unmarried and be:

  • under age 18; or
  • 18-19 years old and a full-time student (no higher than grade 12); or
  • 18 or older and have a disability that started before age 22.

...

Within your family, each qualified child may receive a monthly payment up to one-half of your full disability amount.

...

Also your spouse will get a benefit at any age if he or she is caring for your child under age 16 or disabled and receiving Social Security benefits.

...

Your spouse would receive these benefits until the child reaches age 16. At that time, (when the child reacoes 16) the child's benefits continue, but your spouse's benefits stop unless he or she is old enough to receive retirement benefits (age 62 or older) or survivor benefits as a widow or widower (age 60).

Expert:  Lane replied 3 months ago.

So again, Each family member may be eligible for a monthly benefit of up to 50 percent of your disability rate. However, there is a limit to the amount SocialomSecurity will pay your family.

...

The total depends on your benefit amount and the number of family members who also qualify on your record. The total varies, but generally the total amount you and your family can receive is about 150 to 180 percent of your disability benefit.

...

Expert:  Lane replied 3 months ago.

Please let me know if you have any questions at all, before you rate me

...

If this has helped, and you DON’T have other questions … I'd appreciate a positive rating (using the stars or faces on your screen, and then clicking “submit").

...

Thanks!

Lane

...
I have a law degree, with concentration in Tax Law, Estate law & Corporate law, an MBA, specialization in financial accounting & tax, a BBA, and CFP & CRPS designations, as well - I’ve been providing financial, Social Security/Medicare, estate, corporate, non-profit, and tax advice, since 1986