Is it true SS death benefits to a minor child can't accumulate ?

You are confusing social security benefits with SSI (supplemental security income) benefits. SSI is the federal welfare program for people who are either disabled or over age 64 with limited income/resources. People on SSI are allowed resources up to $2000 if single; $3000 if married.

Social Security is NOT a welfare program which means that you can have unlimited resources. Social Security benefits are NOT based upon financial need. Social Security and SSI are two totally different types of programs with two totally different sets of rules.

When a claim is processed for social security benefits you are sent an award notice/letter. That notice tells you what events need to be reported. If it isn't on the notice then it doesn't need to be reported. You will see, if you read the notice, that there is no mention of reporting if resources reach a certain level. A person can have millions in the bank, multiple houses and cars and still be entitled to a social security benefit which was earned when someone worked and paid social security taxes.

However, if someone on SSI becomes entitled to a social security benefit of any type (retirement, survivor, disability) the social security benefit will either reduce the SSI benefit or make a person ineligible for SSI altogether.

Source: I was a social security claims rep for 32 yrs.

Survivor benefits have nothing to do with assets or "accumulation." You're thinking about SSI eligibility - that's a welfare program. Survivor benefits for a minor are paid to the surviving parent or guardian.

Survivor's benefits are not assets based.

You don't need to account for the money. Obviously, it's going to take more money than you get from SS to raise your child. If you have "extra" money, it simply means you used some of your own money instead of the money provided by SS.

You've have the programs confused. There are none of the stipulations you have listed here. The accumulation figure has to do with medicaid, welfare, food stamps, etc.

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