Social Security is often considered an old-age poverty protection. However, not many people realize that it is also a crucial lifeline for children. These benefits have been designed to support not just the spouses and older adults, but also children who lose their parents.
Marked as the largest government program in the world, Social Security gives benefits to nearly 4.4 million children in the United States per month, according to a June report from the Center on Budget and Policy Priorities. This assistance provides more aid than any other federal program, thereby helping to reduce child poverty. Effectively, 1 in 9 U.S. children are part of families that receive social security benefits.
In the case of Minnesota Governor Tim Walz, the importance of benefits for children became evident when his father died. Walz and his siblings qualified as surviving children and thus could receive Social Security benefits. It played a vital role in their upbringing, helping them to meet their daily needs and aiding in important life matters like pursuing education.
Despite such scenarios, a significant part of the population still remains unaware that children can indeed receive social security benefits following the death of their parents. The misconception is that this help can only be claimed by older adults or retirees. When a worker dies, their minor children and the surviving spouse caring for them can usually get benefits.
The benefit amount differs based on the worker’s average lifetime earnings. The maximum family amount is typically around 150 to 180 percent of the worker’s full benefit. Importantly, these benefits also extend through college for qualifying students.
However, there are certain conditions that children need to meet to be eligible for these benefits. They should be unmarried and younger than 18, or between the age of 18 and 19 and a full-time high school student. Benefits can also be received by children aged 18 or older if they are disabled from a disability that started before age 22.
Considering the relevance of these benefits, it is crucial to improve awareness and understanding about children’s eligibility for social security benefits. With proper knowledge, families could potentially prevent falling into financial hardship.