How Do You Calculate Childrens Derivative Social Security Disability Payments?
Social Security benefits survive the death of the insured worker. Determine whether a surviving child is entitled to the benefit and, if so, how much. Confirm the entitlement. An eligible surviving child is entitled to a worker-parent’s insurance benefits if the following conditions are met: 1. The worker-parent was fully or currently insured at the time of death; 2. The child is either under 18, under 19 and an elementary or secondary school student, or 18 or over with a disability; 3. The child was the parent’s dependent; 4. The child is single; and 5. If required, an application for the child’s benefits is filed. Gather the worker-parent’s Social Security information, such as annual earnings, to use in the calculations. Check the Social Security Administration’s website (see Resources), which includes a calculator that gives a pretty accurate estimation of the child’s benefit amount. Generally, the surviving child’s benefit is 75 percent of the deceased parent’s primary insurance am
