California Life and Health Insurance Practice Exam

Who is NOT eligible for Social Security survivor benefits?

1. A deceased worker's dependent parents of any age

2. A deceased worker's spouse

3. A deceased worker's children under 18

4. A deceased worker's dependent grandchildren

The correct answer is: A deceased worker's dependent parents of any age

The correct answer identifies that a deceased worker's dependent parents of any age are not typically eligible for Social Security survivor benefits. In the context of Social Security, the primary beneficiaries of survivor benefits include the deceased worker's spouse, children under 18, and dependent grandchildren. The eligibility criteria established by the Social Security Administration primarily focus on direct descendants and the spouse. Spouses are entitled to benefits, and children under 18 (or up to age 19 if they are still in high school) can receive benefits based on their parent's work record. Additionally, if grandchildren are dependent on the deceased worker, they may qualify for benefits as well. However, parents of the deceased worker do not qualify as dependents under the survivor benefits program, regardless of their age or dependency status. This delineation underscores the program's design to support those who directly relied on the deceased worker for financial support, such as spouses and children.