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1. Does Social Security still pay a death benefit?

Yes. After your death, your surviving spouse or minor children will receive a very small, one-time, lump-sum payment.

2. What happens if my spouse goes back to work?

Depending on your spouse's earnings, he or she could forfeit part or all of his or her survivor benefit. There is an earnings limitation—the amount you can earn from wages and salary—until you reach full retirement age. Other types of income—including pensions, 401(k) plan and IRA withdrawals, severance payments, dividends and interest, and workers compensation—are not included in the Earnings Limitation. The limitations change from year to year and are based on increases in the average earnings of all employees.

3. What if I am divorced? Will my ex-spouse be entitled to survivor benefits and will it affect the amount my surviving spouse or children receive?

If your ex-spouse was married to you for at least ten years, he or she is entitled to a benefit as long as he or she is:

• at least 60 years old (age 50 if disabled);
• any age and taking care of your child who is eligible for benefits on your Social Security record;
• not receiving an equal or higher Social Security benefit based on their own record, and;
• not currently married. Exception: If your ex-spouse remarries after age 60 (age 50 if disabled), he or she will be eligible based on your record unless eligible for a higher benefit as a dependent of the new spouse.

The benefits your ex-spouse receives will not reduce the benefits payable to your surviving spouse and/or children.

4. Are there cost-of-living increases just like Social Security retirement benefits?

Yes. For more information on Social Security survivor benefits, contact your local Social Security office or visit the Social Security website at www.ssa.gov.