Your death will have a devastating impact on your family in many ways. If you are the major breadwinner, your loved ones must deal with the loss of your income at a time when they are least able to cope. Understanding the Social Security survivor's benefits rules now is an important part of retirement planning and can make this transition less painful. Most people are aware that when they die, their surviving spouse will be eligible for Social Security survivor's benefits. Few realize that their dependent and disabled children, their dependent parents, and their former spouses may be eligible for survivor's benefits. Some of these benefits are listed on your Social Security statement and your spouse's statement, which you can find at http://www.ssa.gov/myaccount. Following is a more detailed explanation of the benefits that are available for your eligible dependents.
Many Seniors who live alone need help, not a move to a nursing home. Due to a physical disability, they may be unable to go grocery shopping, run errands, pick up prescriptions, cook, do laundry, shower or take a bath safely, or keep their home clean. With a little (or a lot) of help, they can remain in their homes. Their children, other family members or friends may not live close enough to help on a day to day basis, or they may not be aware that help is needed. Many Seniors reach a crisis point, when their doctor files a report with the local Elder Services Agency that their living situation is not safe. The good news is that the Elder Services Agency is there to help Seniors remain in their homes. The agency will send a Social Worker to visit the Senior in his or her home to evaluate the situation and determine what services are needed. These services include: