IMO, this seems a generous assumption considering Dan's age and occupation at a State University where employees are
covered by the Florida Retirement System --i.e., exempt from FICA, and only Medicare contributions are withheld from their paychecks.
For example, to qualify for $5,108, the maximum Social Security benefit in 2025, you must have earned the maximum taxable income for
35 years and delayed claiming your retirement benefits until you reached age 70.
Survivors Benefits:
There is a total limit on the amount a family can receive in benefits from one deceased worker's earnings history. This limit is set by a complex formula and typically ranges from 150% to 188% of the deceased's Primary Insurance Amount (PIA). The PIA is the amount the parent was entitled to receive at their
full retirement age.
An eligible child can receive up to 75% of their deceased parent's primary insurance amount (PIA).
Example:
- A deceased parent had a PIA of $2,000.
- Two children are eligible for survivor benefits.
- Each child's individual benefit would be $1,500 (75% of $2,000).
- The family maximum for this parent's record is $3,200 (160% of $2,000, for example).
- Because $1,500 + $1,500 = $3,000, which is less than the $3,200 family maximum, each child would receive $1,500.
- If the family maximum was $2,600 instead, and two children were eligible for $1,500 each, then the total would be $3,000. To meet the $2,600 family maximum, the Social Security Administration would reduce each child's benefit by an equal amount until the total payout reached $2,600.
The loss of a breadwinning parent can put a great deal of emotional and financial stress on a child. If the deceased parent had enough work credits, however, the child may qualify for Social Security survivor benefits until adulthood—or longer if they are disabled.
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