Yes, individuals who are currently receiving SSDI or SSI may be able to qualify for a traditional term or whole life insurance policy. In fact, some may even be able to qualify for a Standard or better rate!

What happens when SSDI recipient dies?

If the deceased was receiving Social Security benefits, you must return the benefit received for the month of death and any later months. For example, if the person died in July, you must return the benefits paid in August. Benefits received by check must be returned to Social Security as soon as possible.

How much life insurance can you have on SSI disability?

You can purchase up to $50,000 of whole life insurance without a medical exam or income justification.

What was the Social Security death benefit for my mother?

Lump-Sum Death Benefit. If your mother worked long enough to qualify for Social Security benefits, a death benefit of $255 is available to one specified family member as of 2011. If your father is still alive, he will receive the benefit if he was living with your mother, or if he was not living with her, was receiving benefits on her record.

Can a single mother qualify for SSDI benefits?

When determining whether or not an applicant qualifies for SSDI benefits the SSA does not review the applicant’s resources or income from a spouse. Therefore, for this particular program a single mother would have no advantage winning SSDI benefits over any other SSDI applicant.

Can you get your mother’s Social Security benefits if you are under 16?

You can expect to receive 75 percent of your mother’s benefit amount if you qualify for benefits under the Social Security Act. If your mother qualified for Social Security benefits and you are under age 16, the Social Security Administration will pay your father benefits from your mother’s record if he provides for your care.

Is there a limit to how much you can pay your family on disability?

However, there is a limit to the amount we can pay your family. The total varies, depending on your benefit amount and the number of qualifying family members on your record. Generally, the total amount you and your family can receive is about 150 to 180 percent of your disability benefit.