Who Is Eligible For SSDI Survivors Benefits?

March 18, 2016

If your loved one was receiving Social Security Disability Insurance benefits prior to their death, you and your family may be entitled to survivors’ benefits. These benefits are limited to the immediate family and based on need and circumstance. The following categories of relatives eligible to receive survivors’ benefits includes:
  • Surviving spouses. If your spouse was receiving SSDI benefits, you are eligible for survivor benefits if he/she was “currently insured” before becoming disabled. You also qualify if you are caring for a child under 16 who is also eligible for survivor benefits. These are not the only factors that determine eligibility.
  • Children of SSDI beneficiaries are eligible for survivor benefits if they are unmarried and younger than 18. Children who meet these conditions are eligible for 75% of a deceased parent’s SSDI benefits until the age of 18.
  • Adult Children. Adult children are eligible under two circumstances; they are under 19 years old and a full-time secondary school student or they are disabled and became disabled before age 22. Adult children who meet these criteria can receive up to 75% of a deceased parent’s benefits.
  • Grandchildren are eligible if their biological parents are deceased or disabled, and the deceased beneficiary provided at least half of their support for a minimum of 12 months. Qualifying grandchildren will receive up to 75% of the deceased’s benefits until the age of 18.
  • Elderly Parents. If a disabled child was providing substantial support to an elderly parent, the parent may qualify for survivor benefits. The parent must be 62 or older and have received more than half of their support from the deceased. The parent’s own Social Security benefits must be less than the disability benefits, and the parent must not have married since the death of the beneficiary.

There is a maximum family amount payable, generally not more than 180% of the total amount of the deceased disabled worker.

Social Security Disability Insurance has strict rules, and survivor’s benefits can make an already difficult situation extremely complicated. The skilled Philadelphia Social Security Disability Insurance lawyers at Larry Pitt & Associates can answer your questions and help you get the benefits you deserve in your time of need. Contact us today for a free consultation. We serve clients throughout Berks, Bucks, Chester, Delaware, Montgomery and Philadelphia counties.