Are social security survivor benefits taxable — And does it make any difference if my son was adopted?
Social security survivor benefits are paid to children who have a disabled or deceased parent. To qualify, the child needs to be 18 years old or younger – or 19 years old if enrolled full-time in a qualifying school.
Children can get up to 75% of the deceased parent’s social security benefits.
Claiming Social Security Survivor Benefits and Adoption
Does it make a difference if your child was adopted when receiving social security survivor benefits? The answer is: no. It doesn’t make any difference if your child was or wasn’t adopted.
Who Pays Taxes on Social Security Survivor Benefits?Social security survivor benefits for children are taxable income only for the children who are entitled to receive them, even if the checks are issued or direct deposited into an account belonging to the surviving parent or guardian. Most children don’t earn enough to owe tax during a tax year.
If benefits are taxable, as explained below, you’ll report any social security survivor benefits for your child on your child’s return.
How Are Social Security Survivor Benefits Taxed?
A child’s social security survivor benefits are taxed if the child’s provisional income is more than the base amount. Provisional income is the sum of these:
- 50% of social security benefits
- Other taxable and tax-exempt income
Where to Go for More Tax Help
Learn about federal income tax and why citizens pay income tax. Get a brief introduction to federal income taxes and how H&R Block can help.
Learn more about the qualification rules for tax-exempt military pay with the experts at H&R Block. Find out if you qualify for tax benefits.
Thinking about renting out a room in your home? Learn more about the potential tax implications with the experts at H&R Block.
Learn more about social security tax and how it affects your income and benefits from the tax experts at H&R Block.