Minnesota Gov. Tim Walz accepted the Democratic vice presidential nomination at the Democratic National Convention on Wednesday night.<\/p>\n
In his speech, Walz credited a particular source of support for helping to get his family to where they are today \u2014 Social Security survivor benefits.<\/p>\n
His father died of lung cancer when Walz was 19, leaving a \u201cmountain of medical debt,\u201d Walz said. Social Security benefits allowed his family, including his mother and younger brother, to \u201clive with dignity,\u201d he recently posted on social media.<\/p>\n
\u201cThank God for Social Security survivor benefits,\u201d Walz said during his Wednesday night speech.<\/p>\n
\u2018Lots of kids … do not claim their survivor benefits\u2019<\/p>\n
About 3.7 million children receive Social Security benefits, according to recent Social Security Administration data.<\/p>\n
Children can receive benefits if they are unmarried and younger than 18; between 18 and 19 and are full-time students in grades 12 or below; and age 18 or older with a disability that started before age 22.<\/p>\n
If a working parent dies, 98 out of 100 children in the U.S. could get Social Security benefits, the agency estimates. The monthly checks are based on the earnings of a deceased parent.<\/p>\n
The average monthly surviving child benefit is $1,103 as of July, with more than 2 million children receiving those checks, according to the Social Security Administration.<\/p>\n
\u201cLots of kids all across the country do not claim their survivor benefits,\u201d Social Security Commissioner Martin O\u2019Malley said at a National Academy of Social Insurance event in Washington, D.C., in June.<\/p>\n
Data suggests as many as half of orphaned children in the U.S. are not receiving the Social Security benefits for which they are eligible, according to Joyal Mulheron, founder and executive director at Evermore, a nonpartisan nonprofit focused on improving the lives of bereaved people.<\/p>\n
\u201cThat\u2019s … children potentially who could be lifted out of poverty as a result of accessing this benefit,\u201d Mulheron said.<\/p>\n
The Social Security Administration is working to figure out who those families are and to develop more targeted approaches to reach them, O\u2019Malley said at the NASI event in June.<\/p>\n
To date, those efforts have included sending information letters to households with potential applicants, launching a new web page on survivor benefits and working with states and communities to help raise awareness of these benefits, according to the agency. In Utah, for example, a check box has been added to death reporting forms to indicate when the deceased has a minor child.<\/p>\n
More than half of children who receive Social Security checks have had a parent who worked and paid taxes into the program die, according to the Social Security Administration. Those children may receive up to 75% of the deceased parent\u2019s basic benefit.<\/p>\n
To qualify for survivors\u2019 benefits, children do not have to live with a parent or receive financial support from them, according to the Social Security Administration. Additionally, the child\u2019s parents do not have to have been married.<\/p>\n
In some situations, surviving parents who care for children under 16 may also be eligible for benefits.<\/p>\n
There are other ways in which children may qualify for benefits.<\/p>\n
For example, they may also be able to receive benefits if they have a living parent who is retired or disabled and who is eligible for Social Security. Those children may receive up to half of their parent\u2019s full benefits.<\/p>\n
The amount of benefits children receive may be adjusted based on a maximum family benefit, a limit on how much a family may receive per month based on a worker\u2019s earnings record. The formula for that varies based on whether the payments are related to disabled or retirement and survivor benefits.<\/p>\n
When someone dies, a funeral director may send a family to Social Security, particularly since there may be a $255 lump sum death benefit available, said Jim Blair, vice president of Premier Social Security Consulting and a former Social Security administrator.<\/p>\n
At that time, widows and widowers may be informed of the benefits available to them, as well as their children, he said. Still, it\u2019s possible some situations may fall through the cracks.<\/p>\n
Children may not access the benefits for which they are eligible if they switch to a different guardian, for example, who many not be able to answer all of Social Security\u2019s questions, Mulheron said. Families may also fail to access benefits due to immigration issues, missed deadlines or administrative errors with applications, she said.<\/p>\n
It could help for the Social Security Administration to make applications for children\u2019s benefits more accessible online, Mulheron said.<\/p>\n
\u201cYou don\u2019t want to see anybody lose out on any benefits, because that\u2019s what the benefit is there for,\u201d Blair said.<\/p>\n
\u201cIf you think you might even have an inkling that there might be something payable, call and ask,\u201d he said.<\/p>\n
The Social Security Administration can be reached at 1-800-772-1213. When applying for children\u2019s benefits, the agency may require you to provide a child\u2019s birth certificate, proof of birth or adoption, the parent\u2019s and child\u2019s Social Security numbers, and when relevant, a parent\u2019s death certificate or medical evidence of a child\u2019s disability.<\/p>\n<\/p>\n
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