SSA logo: link to Social Security Online home425. Amount of Parent's Insurance Benefit

425.1 How is the parent's insurance benefit rate computed?

The parent's insurance benefit rate, if only one parent is entitled to benefits, equals to 82 1/2 percent (.825) of the deceased worker's primary insurance amount.

The parent's insurance benefit rate, if two parents are entitled to benefits on the same earnings record, equals 75 percent (.75) of the deceased worker's primary insurance amount. Each parent receives this amount.

425.2 When is the benefit rate less?

There is no actuarial reduction of benefits payable for months before you turn 65. However, your benefit payable may be less if any of the conditions below are met:

  1. The “family maximum” is involved (see §§730-732). In this case, all benefits payable on the earnings record may be reduced;

  2. You are entitled to a retirement or disability insurance benefit that is less than the parent's insurance benefit. In this case, only the difference between the amount of the parent's insurance benefit and the other benefit is payable as your insurance benefit.

(For the effect of simultaneous entitlement to other Social Security benefits, see §§733-737.)