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Categorized | Voices and Views

Social Security questions and answers

Question: Will my son be eligible to receive benefits on his retired father’s record while going to college?

Answer: No. At one time, Social Security did pay benefits to eligible college students. But the law changed in 1981. We now pay benefits only to students taking courses at grade 12 or below. Normally, benefits stop when children reach age 18 unless they are disabled. However, if children are still full-time students at a secondary (or elementary) school at age 18, benefits generally can continue until they graduate or until two months after they reach age 19, whichever is first. If your child is still going to be in school at age 19, you’ll want to visit www.socialsecurity.gov/schools.

Question: When a person who has worked and paid Social Security taxes dies, are benefits payable on that person’s record?
Answer: Social Security survivor’s benefits can be paid to:

• A widow or widower — unreduced benefits at full retirement age, or reduced benefits as early as age 60;

• A disabled widow or widower — as early as age 50;

• A widow or widower at any age if he or she takes care of the deceased’s child who is under age 16 or disabled, and receiving Social Security benefits;

• Unmarried children under 18, or up to age 19 if they are attending high school full time. Under certain circumstances, benefits can be paid to stepchildren, grandchildren or adopted children;

• Children at any age who were disabled before age 22 and remain disabled; and

• Dependent parents age 62 or older.

Even if you are divorced, you still may qualify for survivor’s benefits. For more information, go to www.socialsecurity.gov.

Question: I want to make sure I have enough credits to receive Social Security retirement benefits when I need them. How can I get a record of my Social Security earnings?

Answer: The best way for you to check whether you have earned enough credits (40 total, equaling 10 years of work) is to open a free my Social Security account at www.socialsecurity.gov/myaccount to review your Social Security Statement.

Once you create an account, you can:Keep track of your earnings to make sure your benefit is calculated correctly. The amount of your payment is based on your lifetime earnings;

*Get an estimate of your future benefits if you are still working;

*Get a replacement 1099 or 1042S.

*Get a letter with proof of your benefits if you currently receive them; and

*Manage your benefits:

*Change your address; and

*Start or change your direct deposit.

Accessing my Social Security is quick, convenient, and secure, and you can do it from the comfort of your home.

In some states, you can even request a replacement Social Security card online using my Social Security. Currently available in some areas in the United States, it’s an easy, convenient, and secure way to request a replacement card online. To find out where we offer this service, visit www.socialsecurity.gov/ssnumber.

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