CATEGORY: FAMILY BENEFIT CHANGES
PROPOSAL:Create an alternative survivor benefit: Survivor receives the higher of the current law benefit or the alternative benefit equal to 75% of the survivor's own benefit plus the deceased worker's PIA
Start date: 2015  End date: not applicable  Proposed by: Senators Mark Begich and Patty Murray

Projected effects on beneficiaries in 2030

Table 1. Individual benefit changes, 2030: Alternative Survivor Benefit vs. Scheduled
POPULATION: current law beneficiaries aged 60+
Characteristic All Beneficiaries Affected Beneficiaries
Median Percent Change Percent With Median Percent Change Percent With
Lower Benefits Higher Benefits Lower Benefits Higher Benefits
Total 0% 0% 8% 0% 100%
Sex
Female 0% 0% 10% 0% 100%
Male 0% 0% 6% 0% 100%
Ethnicity/Race
Hispanic 0% 0% 11% 0% 100%
White 0% 0% 8% 0% 100%
Black 0% 0% 11% 0% 100%
Other 0% 0% 8% 1% 99%
Country of Birth
U.S. 0% 0% 8% 0% 100%
Foreign 0% 0% 10% 0% 100%
Age
60-69 0% 0% 8% 0% 100%
70-79 0% 0% 9% 0% 100%
80-89 0% 0% 8% 0% 100%
90+ 0% 0% 10% 0% 100%
Marital Status
Married 0% 0% 1% 0% 100%
Divorced 0% 0% 14% 1% 99%
Widowed 0% 0% 29% 0% 100%
Never Married 0% 0% 0% . . . . . .
Education
Graduate 0% 0% 3% 0% 100%
Bachelor 0% 0% 4% 0% 100%
Associate 0% 0% 8% 1% 99%
High School 0% 0% 11% 0% 100%
Less than 12 Yrs 0% 0% 14% 0% 100%
Official Poverty
Above poverty 0% 0% 8% 0% 100%
In poverty 0% 0% 16% 0% 100%
Household Income Quintile
$175,526+ 0% 0% 3% 0% 100%
$97,521 - $175,526 0% 0% 3% 1% 99%
$57,224 - $97,521 0% 0% 6% 0% 100%
$30,478 - $57,224 0% 0% 9% 0% 100%
$0-$30,478 0% 0% 20% 0% 100%
Current Law Benefit Type
Retired worker 0% 0% 4%
Widow(er) 0% 0% 32%
Spouse 0% 0% 0%
Disabled worker 0% 0% 0%
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: MB0611v1
Notes: . . . = not applicable; — = sample size is too small.
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.
Table 2. Household income changes, 2030: Alternative Survivor Benefit vs. Scheduled
POPULATION: current law beneficiaries aged 60+
Characteristic All Beneficiaries Affected Beneficiaries
Median Percent Change Percent With Median Percent Change Percent With
Lower Income Higher Income Lower Income Higher Income
Total 0% 0% 7% 0% 89%
Sex
Female 0% 0% 9% 0% 89%
Male 0% 0% 6% 0% 90%
Ethnicity/Race
Hispanic 0% 0% 10% 0% 89%
White 0% 0% 7% 0% 89%
Black 0% 0% 10% 0% 91%
Other 0% 0% 7% 0% 87%
Country of Birth
U.S. 0% 0% 7% 0% 89%
Foreign 0% 0% 9% 0% 89%
Age
60-69 0% 0% 7% 0% 90%
70-79 0% 0% 8% 0% 91%
80-89 0% 0% 7% 0% 89%
90+ 0% 0% 8% 0% 78%
Marital Status
Married 0% 0% 1% 0% 86%
Divorced 0% 0% 13% 0% 92%
Widowed 0% 0% 26% 0% 88%
Never Married 0% 0% 0% . . . . . .
Education
Graduate 0% 0% 2% 0% 83%
Bachelor 0% 0% 4% 0% 87%
Associate 0% 0% 7% 0% 89%
High School 0% 0% 10% 0% 90%
Less than 12 Yrs 0% 0% 13% 0% 90%
Official Poverty
Above poverty 0% 0% 7% 0% 89%
In poverty 0% 0% 15% 2% 94%
Household Income Quintile
$175,526+ 0% 0% 1% 0% 0% 38%
$97,521 - $175,526 0% 0% 2% 0% 69%
$57,224 - $97,521 0% 0% 5% 0% 84%
$30,478 - $57,224 0% 0% 9% 0% 95%
$0-$30,478 0% 0% 20% 0% 98%
Current Law Benefit Type
Retired worker 0% 0% 4%
Widow(er) 0% 0% 29%
Spouse 0% 0% 0%
Disabled worker 0% 0% 0%
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: MB0611v1
Notes: . . . = not applicable; — = sample size is too small.
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.
Table 3. Poverty, 2030: Alternative Survivor Benefit vs. Scheduled
POPULATION: current law beneficiaries aged 60+
Characteristic Poverty Rate Population Change (thousands)
Scheduled Option Change
Total 4.9% 4.4% -0.5% -347
Sex
Female 5.3% 4.8% -0.5% -214
Male 4.3% 3.9% -0.4% -133
Ethnicity/Race
Hispanic 8.8% 7.7% -1.1% -89
White 3.5% 3.2% -0.3% -173
Black 9.0% 8.2% -0.7% -54
Other 7.7% 7.0% -0.7% -29
Country of Birth
U.S. 4.2% 3.8% -0.4% -250
Foreign 8.8% 7.9% -0.8% -96
Age
60-69 5.7% 5.3% -0.5% -115
70-79 4.9% 4.5% -0.5% -142
80-89 3.8% 3.4% -0.5% -70
90+ 2.5% 1.9% -0.6% -17
Marital Status
Married 1.9% 1.9% 0.0% -11
Divorced 8.3% 7.6% -0.7% -93
Widowed 5.8% 3.9% -1.9% -242
Never Married 17.0% 17.0% 0.0% 0
Education
Graduate 1.4% 1.2% -0.1% -12
Bachelor 2.2% 2.0% -0.2% -27
Associate 3.6% 3.3% -0.3% -47
High School 6.1% 5.5% -0.6% -168
Less than 12 Yrs 13.9% 12.4% -1.5% -92
Official Poverty
Above poverty 0.0% 0.0% 0.0% 0
In poverty 100.0% 90.4% -9.6% -347
Household Income Quintile
$175,526+ 0.1% 0.1% 0.0% -1
$97,521 - $175,526 0.1% 0.1% 0.0% -3
$57,224 - $97,521 0.3% 0.3% -0.1% -7
$30,478 - $57,224 0.8% 0.7% -0.1% -8
$0-$30,478 23.0% 20.8% -2.2% -326
Current Law Benefit Type
Retired worker 4.6% 4.3% -0.2% -114
Widow(er) 5.0% 3.1% -1.9% -231
Spouse 5.5% 5.5% 0.0% -1
Disabled worker 8.5% 8.5% 0.0% 0
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: MB0611v1
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.
Table 4. Beneficiary characteristics, 2030: Alternative Survivor Benefit vs. Scheduled
POPULATION: current law beneficiaries aged 60+
Characteristic All beneficiaries Affected beneficiaries Beneficiaries with lower benefits Beneficiaries with higher benefits
Number (thousands) Percent Number (thousands) Percent Number (thousands) Percent Number (thousands) Percent
Total 73,810 100.0 6,147 100.0 14 100.0 6,132 100.0
Sex
Female 39,993 54.2 4,057 66.0 9 62.6 4,048 66.0
Male 33,817 45.8 2,090 34.0 5 37.4 2,084 34.0
Ethnicity/Race
Hispanic 7,865 10.7 882 14.4 . . . . . . 882 14.4
White 54,004 73.2 4,072 66.2 11 75.0 4,061 66.2
Black 7,559 10.2 820 13.3 2 10.9 819 13.4
Other 4,382 5.9 372 6.1 2 14.1 370 6.0
Country of Birth
U.S. 62,372 84.5 5,036 81.9 14 100.0 5,022 81.9
Foreign 11,438 15.5 1,110 18.1 . . . . . . 1,110 18.1
Age
60-69 24,505 33.2 1,896 30.8 4 27.9 1,892 30.8
70-79 31,533 42.7 2,718 44.2 10 72.1 2,708 44.2
80-89 14,979 20.3 1,241 20.2 . . . . . . 1,241 20.2
90+ 2,793 3.8 292 4.7 . . . . . . 292 4.8
Marital Status
Married 41,785 56.6 499 8.1 . . . . . . 499 8.1
Divorced 13,632 18.5 1,907 31.0 10 70.5 1,897 30.9
Widowed 12,828 17.4 3,741 60.9 4 29.5 3,737 60.9
Never Married 5,566 7.5 . . . . . . . . . . . . . . . . . .
Education
Graduate 8,636 11.7 242 3.9 . . . . . . 242 3.9
Bachelor 13,936 18.9 577 9.4 1 9.8 576 9.4
Associate 16,752 22.7 1,393 22.7 9 59.6 1,385 22.6
High School 28,256 38.3 3,057 49.7 4 30.6 3,053 49.8
Less than 12 Yrs 6,230 8.4 877 14.3 . . . . . . 877 14.3
Official Poverty
Above poverty 70,205 95.1 5,578 90.7 14 100.0 5,563 90.7
In poverty 3,604 4.9 569 9.3 . . . . . . 569 9.3
Household Income Quintile
$175,526+ 14,762 20.0 410 6.7 1 8.9 409 6.7
$97,521 - $175,526 14,762 20.0 462 7.5 4 27.9 458 7.5
$57,224 - $97,521 14,763 20.0 912 14.8 4 28.5 907 14.8
$30,478 - $57,224 14,759 20.0 1,386 22.6 5 34.8 1,381 22.5
$0-$30,478 14,763 20.0 2,977 48.4 . . . . . . 2,977 48.5
Current Law Benefit Type
Retired worker 51,869 70.3 2,218 36.1 13 89.2 2,205 36.0
Widow(er) 12,154 16.5 3,898 63.4 2 10.8 3,896 63.5
Spouse 6,571 8.9 32 0.5 . . . . . . 32 0.5
Disabled worker 3,215 4.4 . . . . . . . . . . . . . . . . . .
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: MB0611v1
Note: . . . = not applicable.
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.
Table 5. Beneficiary Status, 2030: Alternative Survivor Benefit vs. Scheduled (in thousands)
POPULATION: current law or option beneficiaries aged 60+
Characteristic Current Law Beneficiaries Changes in beneficiary status under proposed option Policy Option Beneficiaries
Added Removed Net Change
Total 73,810 0 73,818
Sex
Female 39,993 0 39,998
Male 33,817 0 33,819
Ethnicity/Race
Hispanic 7,865 0 7,872
White 54,004 0 0 54,004
Black 7,559 0 0 7,560
Other 4,382 0 0 4,382
Country of Birth
U.S. 62,372 0 62,374
Foreign 11,438 0 11,443
Age
60-69 24,505 0 24,513
70-79 31,533 0 0 31,533
80-89 14,979 0 0 14,979
90+ 2,793 0 0 2,793
Marital Status
Married 41,785 0 0 41,785
Divorced 13,632 0 0 13,632
Widowed 12,828 0 12,836
Never Married 5,566 0 0 5,566
Education
Graduate 8,636 0 8,638
Bachelor 13,936 0 0 13,936
Associate 16,752 0 0 16,752
High School 28,256 0 28,259
Less than 12 Yrs 6,230 0 6,233
Official Poverty
Above poverty 70,205 0 70,213
In poverty 3,604 0 0 3,604
Household Income Quintile
$175,526+ 14,762 0 0 14,762
$97,521 - $175,526 14,762 0 0 14,762
$57,224 - $97,521 14,763 0 0 14,764
$30,478 - $57,224 14,759 0 14,763
$0-$30,478 14,763 0 14,766
Current Law Benefit Type
Retired worker 51,869 0 0 51,869
Widow(er) 12,154 0 0 12,154
Spouse 6,571 0 0 6,571
Disabled worker 3,215 0 0 3,215
None 0 0 8
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: MB0611v1
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.