Most of us don't like to talk about death or even think about it. But wouldn't you feel better knowing that, if you or your spouse were no longer living, Social Security would help take care of your family?
If you are working and paying into Social Security, some of the taxes you pay go toward survivors insurance. In fact, if you currently have life insurance, the value of your private policy is probably less than the value of the survivors insurance you have under Social Security.
When you die, members of your family could be eligible for benefits based on your earnings. Planning For Your Survivors explains how you earn benefits and who qualifies for them.
If your spouse or parent dies, you and your family could be eligible for benefits based on their earnings. Read If You Are the Survivor to learn about the survivors benefits that may be available to you and your family.
Note: If you are married and both of you are wage earners, you should consider survivors benefits from both perspectives.
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