What disqualifies you from Social Security survivor benefits is a crucial question for many individuals who rely on these benefits to support themselves after the loss of a loved one. Social Security survivor benefits are designed to provide financial assistance to surviving family members of deceased workers, but certain circumstances can disqualify an individual from receiving these benefits. Understanding these disqualifications is essential for those who may be eligible or hoping to become eligible for these benefits.
Survivor benefits are available to the deceased worker’s spouse, children, and certain other dependents. However, there are several factors that can disqualify an individual from receiving these benefits. One of the most common disqualifiers is marriage to someone else. If a surviving spouse remarries before the age of 60 (or 50 if disabled), they may be disqualified from receiving survivor benefits. Similarly, if a surviving spouse remarries after reaching the age of 60 (or 50 if disabled), they may still be eligible for benefits, but the amount may be reduced.
Another disqualifying factor is the age of the surviving spouse. If the surviving spouse is under the age of 60 (or 50 if disabled), they may be eligible for benefits. However, if they remarry before reaching the age of 60 (or 50 if disabled), they may lose their eligibility. This rule is in place to encourage surviving spouses to remain financially independent and to avoid potential conflicts of interest.
Disqualification can also occur if the surviving spouse or children are not considered to be dependents of the deceased worker. To be eligible for survivor benefits, the surviving spouse must have been married to the deceased worker for at least nine months, or have a child of the deceased worker. Additionally, children must be under the age of 18 (or 19 if attending high school full-time), or disabled before the age of 22.
The deceased worker’s earnings history can also affect eligibility for survivor benefits. If the deceased worker did not have enough work credits to qualify for Social Security benefits, their surviving family members may not be eligible for survivor benefits either. The number of work credits required varies depending on the individual’s age and the year they were born.
Lastly, certain criminal convictions can disqualify an individual from receiving survivor benefits. For example, if a surviving spouse is convicted of fraud or embezzlement related to their claim for survivor benefits, they may be disqualified from receiving these benefits.
Understanding what disqualifies you from Social Security survivor benefits is essential for those who may be eligible or hoping to become eligible for these benefits. By being aware of these disqualifiers, individuals can take the necessary steps to ensure they remain eligible for the financial support they need after the loss of a loved one. It is always advisable to consult with a Social Security representative or an attorney specializing in Social Security law to ensure you are fully informed about your rights and eligibility.
