Tens of millions of Americans use Social Security benefits to cover their living expenses. Most of the people using the program understand very well that their retirement benefits hinge largely on their work history, marking a successful end to a long career. Show But Social Security isn't always easy to understand. It has a lot of lesser-known aspects that can provide benefits in some surprising situations. If you don't know about these hidden provisions, you might never even claim benefits you have coming to you. Below, you'll learn more about some of the rules that many would-be Social Security claimants don't know about. By finding out about them, you'll put yourself in a better position to get everything you've earned under the Social Security program. 1. Early benefits for widows and widowersMost people think of Social Security benefits as starting at age 62. That's the earliest age at which workers can claim their own retirement benefits, and spousal benefits are also available starting at age 62 if the claimant's spouse has already claimed retirement benefits. However, survivor benefits that a surviving spouse are available at earlier ages. For most people, a survivor benefit becomes available at age 60, which is two full years before your own retirement benefit would be available. Those who are disabled can make survivor benefit claims even earlier -- as early as age 50. Moreover, you're able to claim your survivor benefit independently of your retirement benefit. In some cases, that can allow you to start getting money from Social Security through a survivor benefit but delay claiming your own worker benefit, boosting the size of those monthly checks once you do claim them in the future. Image source: Getty Images. 2. Spousal benefits for divorced couplesA lot of people think that spousal benefits are only available to current spouses. However, the general rule is that if you were married for at least 10 years before getting divorced, you're potentially entitled to claim spousal benefits based on an ex-spouse's work history. The other thing to remember is that if you get married to someone else, you will lose your eligibility for spousal benefits based on your ex-spouse's work history. Yet those benefits can get restored if you subsequently become single again, either due to divorce or death of your most recent spouse. 3. A modest-sized lump sum benefit after deathOne of the oddest provisions in the rules governing Social Security provides for a very small death benefit under certain circumstances. When someone passes away, a one-time payment fixed at $255 is available to eligible recipients. What makes this complicated is the list of those who are eligible to get the $255 death benefit. Most surviving spouses qualify, but adult children of the Social Security recipient generally don't. Only those children who are receiving Social Security or are eligible to get ongoing benefits after the death of the parent can get the $255 lump sum. Most commonly, those children have to be either under 18, still in high school, or disabled in order to qualify. Make sure you know about your Social SecurityThe best way to find out about all your potential Social Security benefits is by signing up to receive your Social Security statement. Creating an account is simple and gives you access to resources that will help you estimate your future monthly payments. In the end, though, you're responsible for knowing about the Social Security benefits that the law gives you. Hopefully, knowing about the three less common benefits described above will help put a little extra money into your pocket during your retirement years. Regular Army: Retired Benefit Fact SheetSummary A one-time payment of $255 can be paid to the surviving Spouse of a deceased Service member if they were living with the deceased, or, if living apart, was receiving certain Social Security benefits on the deceased Service Member's record. If there is no surviving Spouse, the payment is made to Children who are eligible for benefits on the deceased's record in the month of death. If no Spouse or Child meeting these requirements exists, the lump-sum death payment will not be paid. Eligibility The deceased Service member must have been either fully insured or currently insured under the Social Security system. Generally, the benefit is paid only to eligible survivors who were already receiving or are eligible to receive immediate monthly benefits derived from the earnings record of the deceased. Former Spouses are not eligible for this benefit. The benefit may not be paid directly to a funeral home. Military duty status at time of death is not a factor in determining eligibility. Benefit Highlights Only one beneficiary may receive the Lump Sum Death Benefit. If more than one beneficiary is eligible, such as in the case of multiple eligible Children, the Children would split the $255 lump sum. The current amount of You can help by being ready to:
Documents you may need to provide You may be asked to provide documents to prove eligibility, such as:
Important: Photocopies of W-2 forms or self-employment tax returns are accepted, but only the original of most other documents, such as your birth certificate are accepted. All documents will be returned to you. Do not delay applying for benefits because you do not have all the documents. The Social Security Office will help you get them. Additional Information For more information, please visit the Social Security Lump Sum Death Benefit webpage maintained by the Social Security Administration: For
information required when applying for the Lump-Sum Death Benefit: Army Casualty and Mortuary Affairs Operations Division: Document Review Date: 06 June 2022 How do I collect a death benefit?You can apply for benefits by calling our national toll-free service at 1-800-772-1213 (TTY 1-800-325-0778) or by visiting your local Social Security office. An appointment is not required, but if you call ahead and schedule one, it may reduce the time you spend waiting to apply.
Who claims the death benefit?Who reports a death benefit that an employer pays? That depends on who received the death benefit. A death benefit is income of either the estate or the beneficiary who receives it. Up to $10,000 of the total of all death benefits paid (other than CPP or QPP death benefits) is not taxable.
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