Receiving Social Security Survivor Benefits

First some background. I was curios about who should have been receiving my survivor benefits. My mom died when I was 2, I'm 19 now, and was receiving survivors benefits every month. I was eligible to receive them for a few months after I turned 18, due to the fact that I was still in high school. My father has also saved up some money for me to go to college. I understand that the checks go to my father to support me, and not me directly. My 2 questions are: 1. The few checks that were sent to us after I turned 18, were made out to me. Should those checks have been going to me directly instead of to him, since I was no longer a minor? 2. The money he saved up for college, I've decided to go to community college, and through fafsa and grants, I won't have to pay anything, therefore making that "college fund" money "worthless". Now that I'm 19 and there is no need to spend money on college, am I entitled to that money that was saved up and is sitting in one of his accounts? Thank you for taking the time to answer.


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October 11, 20170 found this helpful
Best Answer

Well my son went through something similar with Social Security and his Grandfather. He was living with his Gpa, and his Gpa was the payee for his benefits just like you and your dad. Once my son turned 18 he also kept getting his benefits because of high school. My son did not have a bank account and his benefits were always direct deposited into his Gpas account. Once he turned 18 the social security office would no longer deposit it into his Gpas account because the "Pay to the order of" section had changed to it only being made out to my son instead of both of their names on the check. Since my son did not have a bank account and his Gpas name was no longer on the check they mailed a paper check for several months and kept telling him that it was not their policy to mail paper checks any longer and he needed to set up a direct deposit account. He never did they just kept mailing paper checks until his benefits stopped. So to answer your first question, yes technically since you are no longer a minor the benefits you received would of been paid directly to you had you set it up that way. Now as far as the college money your dad has been saving for you your entire life no mam I dont think you are entitled to it simply because your going to be going to a cheaper college and you will be receiving financial aid.


College still costs money outside of what Fafsa will cover. Your dad did not save that money your entire life just to take it and spend it on whatever just because college ended up being cheaper than he would of thought. Also, he did not save it to watch you dwindle through it on meaningless things. He saved it ultimately so he would not have to worry about your future if he was to not be here one day. If it got spent on college that assures him you will be educated and able to get a job and he will know you will be OK. If it stays in an account he probably rests easier knowing you will have something to live off of if he for some reason wont be here. Im just speaking as a parent of a 19 year old, but you never know he might surprise you and get you a car or let you use it as a down payment on your first home. He loves you, he has your best interest at heart, dont knit pick over pennies. Im sure there were times it wasn't easy being a single dad and there were probably times he wondered if y'all would be OK financially and Im sure he worked very hard making sure y'all had everything you needed. Good luck in college, and Good luck with your dad.

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October 11, 20170 found this helpful

Thank you for your quick response! I understand where you're coming from!

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October 11, 20170 found this helpful

There are some things in your posting that are not very clear.

  • You state that you are now 19 but you do not say where you are living.
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  • Are you still living in your father's home? Do you plan to stay at your father's home while attending junior college?
  • Are you working and if so will you continue working while attending jr college?
  • If you are still living at home is it your intention to pay your father rent and food expenses and also provide for your own transportation and clothing and other personal needs?
  • Perhaps your father saved some of the money from the SS benefit checks and just has it entitled as "college funds" or perhaps there was no money left over after paying for your care and the money in the bank was saved from his own earnings?
  • If you feel something was not done properly you are an adult and can go to the SS office and ask your questions.
  • They should be able to give you the answers you are looking for.

I really believe this is something you should discuss with your father as he may have plans that are different from what you understand and something like this can get out of hand and might cause problems between you and your father.

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October 12, 20170 found this helpful

SSI Benefits.

Step 1
If your dad was collecting your SSI before you were 18, you would have to apply for the benefit yourself to get it in your name.


Step 2
If your dad saved his own money and turns out you do not pay for college,it is up to your dad what he does with the money.

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