Most of us don't like to talk about death or even think about it. But wouldn't you feel better knowing that, if you or your spouse were no longer living, Social Security would help take care of your family?
If you are working and paying into Social Security, some of the taxes you pay go toward survivors insurance. In fact, if you currently have life insurance, the value of your private policy is probably less than the value of the survivors insurance you have under Social Security.
Your family is protected when you die. Your spouse, children, and parents could be eligible for benefits based on your earnings. Planning For Your Survivors explains how you earn benefits and who qualifies for them.
You are protected when your spouse, parent, or adult child dies. You and your family could be eligible for benefits based on the earnings of the deceased. If You Are The Survivor explains how survivors benefits may be available to you and your family.
To learn how to apply for survivors benefits, what documents you’ll need when you apply, and how to report a death, visit How You Apply For Survivors Benefits.
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