Business and Finance > Economy > U.S. Economy and the Federal Budget > Social Security > What Does Social Security Offer?
This feature of the Social Security program gives your family valuable life-insurance protection. The amount of protection is again geared to what the worker would be entitled to if he or she had been at retirement age when he or she died. Total family survivor benefits were estimated to be as high as $2,534.00 a month if the worker died in 1995. Your survivors could get:
If in addition to your Social Security benefit as a wife, husband, divorced spouse, widow, widower, or surviving divorced spouse you receive a pension based on your work in employment not covered by Social Security, your benefit as a spouse or survivor will be reduced. Under an exception in the law, your government pension will not affect your spouse's or survivor's benefit if you became eligible for that pension before December 1982 and if, at the time you apply or become entitled to your Social Security benefit as a spouse or survivor, you could have qualified for that benefit if the law in effect in January 1977 had remained in effect (e.g., at that time, men had to prove they were dependent upon their wives for half of their support to be eligible for benefits as a spouse or survivor.) There are also several other exceptions in the law. Your government pension may also affect Social Security benefits based on your own work covered by Social Security.