I have a son (age 40) who receives social security disability insurance for a condition he has had since birth. I am divorced from his mother and am in a long-term relationship. I want to marry my partner so that she can receive my social security after I die. However, I understand that my disabled son may also be entitled to my social security. Can my son receive my social security after my prospective wife dies? How would I arrange that in advance?
September 25, 2024
Understanding Social Security Survivor Benefits for Your Disabled Son
A) Yes, your disabled son may be eligible to receive Social Security survivor benefits after your prospective wife dies.
Here’s a breakdown of how it works:
- Eligibility: If your son has a disability that began before age 22, and he’s unable to work, he may qualify for survivor benefits.
- Benefit Amount: The amount he receives will depend on your earnings history and the number of other eligible beneficiaries.
- Continuation: His benefits can continue as long as he remains disabled.
To ensure your son receives these benefits after your death, you should:
- Inform the Social Security Administration (SSA): Notify the SSA of your son’s disability and his eligibility for benefits.
- Review Your Estate Plan: Make sure your estate plan, including your will and any trusts, addresses your son’s future needs. Consider naming a trusted individual as his guardian and conservator to help manage his finances.
- Consult with a Financial Advisor: A financial advisor can help you understand the implications of your decisions and ensure your son’s financial security.
It’s important to note:
- Marriage: Your marriage to your partner won’t affect your son’s eligibility for survivor benefits.
- Re-marriage: If your wife remarries after your death, her benefits may be affected, but your son’s benefits should continue.
For more specific information and to determine your son’s eligibility, it’s recommended to contact the Social Security Administration directly. They can provide personalized guidance based on your unique circumstances.