How much will I receive?
The benefit amount is based on the earnings of the person who died. The more the worker paid into Social Security, the greater your benefits will be.
Social Security uses the deceased worker?s basic benefit amount and calculates what percentage survivors are entitled to. The percentage depends on the survivors? ages and relationship to the worker. Here are the most typical situations:
A widow or widower, at full retirement age or older, receives 100 percent of the worker?s basic benefit amount
A widow or widower, age 60 or older, but under full retirement age, receives about 71-99 percent of the worker?s basic benefit amount; or
A widow or widower, any age, with a child under age 16, receives 75 percent of the worker?s benefit amount.
Children receive 75 percent of the worker?s benefit amount.
Maximum family benefits
There is a limit to the benefits that can be paid to you and other family members each month. The limit varies, but is generally between 150 and 180 percent of the deceased?s benefit amount.