social security benefits for family members

Social Security for Dependent Parents

Dependent Parent Social Security Benefits

Parents take care of us for so many years, and in some cases we are able to help our own parents in their retirement. But what will happen if your dependent parent outlives you?

Very few people know about an important Social Security benefit that can help your financially dependent parent should you pass away before they do. If your parent relies on you for more than half of their living expenses, they may be able to receive benefits in the event of your death. In order to take advantage of this benefit you must have earned enough credits to qualify for Social Security – that’s 40 credit hours – and your parent must:

  • Receive at least half of their support from you
  • Be at least 62 years old
  • Not have remarried since the adult child’s death
  • Not have an individual Social Security benefit that’s more than the potential benefit based on your earnings

This benefit can be an important source of support for your aged parent in the unfortunate event of your death.

If you’d like to learn more about this or other Social Security benefits that can help your family, please contact our office at, or sign up for your Social Security benefit plan today.

Social Security Benefits for Children – Is Your Family Eligible?

Social security benefits for children

There are 4.3 million families that currently receive Social Security benefits to help support their children, but many more are eligible and don’t even know they could be getting additional income each month. Qualifying for this benefit has little to do with the children – it’s based on the parents’ status. (Disabled children may be able to collect Supplemental Security Income benefits based on their condition. They may also qualify for the benefits described in this article but the rules are slightly different.)

In a nutshell, Social Security benefits for children are designed to replace the income that is no longer provided by a parent who has retired, died or become disabled and therefore cannot work. The retired, deceased or disabled parent must have worked long enough to qualify for Social Security and the child must be unmarried and under 18 or a full-time student. Benefits end on the child’s 18th birthday, unless he or she is a full time high school student. In that case, benefits continue until graduation or two months after the child’s 19th birthday, whichever comes first.

Social Security benefits for children can be paid to a parent, step-parent, grandparent or another person who cares for the child (but the benefits may stop earlier in this case). The amount received each month depends on the specifics of the situation and the retired, deceased or disabled parent’s work history. In general, benefits are up to 50% of the full amount of a parent’s disability or retirement benefit or as much as 75% of the amount a deceased parent would have received. If other family members also receive Social Security benefits, a family cap on the amount received applies.

If you think you might qualify for Social Security income for a child in your care, contact our firm today. We’ll help you find out about any financial benefits you may be entitled to and complete the filing process so you can start receiving that income each month.