The Herald Bulletin

Overnight Update

Local Business

June 3, 2013

Charo Boyd: Strong families survive, and Social Security is helpful

This month, we celebrate National Family Month, which is a great time to reflect on your family and how to make it stronger. As the U.S. Department of Health and Human Services reminds us, strong families share many valuable qualities: trust, commitment, communication, growth, affection, fun and love.

Strong families are more likely to grow through a crisis, allowing the difficult experience to bring them even closer together.

In the unfortunate event of a family member’s death, we want you to know that Social Security is here to help. In addition to the emotional difficulty family members experience, there is often a financial burden, as well, especially if the family’s main wage earner dies. In such cases, Social Security survivors benefits will help.

Did you know that nearly every child in America could get Social Security survivors benefits if a working parent dies? And Social Security pays more benefits to children than any other federal program.

Although many people think Social Security is just a retirement program, you should know that Social Security also provides survivors insurance benefits for workers and their families. If you’re like most people, the value of the survivors insurance you have under Social Security is probably more than the value of any individual life insurance you may own.

And you don’t even need to sign up for a separate policy; by working and paying Social Security tax, you are most likely already insured without even knowing it.

Family members who might be able to receive survivors benefits based on your work record include a widow or widower, unmarried children up to age 19 and still in high school, and under certain circumstances, stepchildren, grandchildren, step grandchildren, adopted children and dependent parents.

If you’d like to learn more about survivors benefits, and how to apply, you should read our publication, “Survivors Benefits”, available at www.socialsecurity.gov/pubs.

You can find additional useful information, such as our survivors planner and information about how to apply for survivors benefits, at www.socialsecurity.gov/pgm/survivors.htm.

Charo Boyd is Social Security public affairs specialist for east central Indiana. Her column appears every other Monday on the Business page.

 

 

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