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You can only use the survivors benefits for the child who lost the parent(s). So, you can't use them on any other children or yourself or your spouse, etc... They are soley for the wellbeing of the child who lost the parent. If you have left over, then you need to save that money for the child's college fund. That is the ethical and responsible thing to do. And the lawful thing to do :o) For instance, if your house payment is 800$/month and you receive 1000/month survivors benefits, you cannot pay your house payment with the child's Survivor benefit money. You can only use a small portion to pay for housing, a certain percentage. You will need to verify the % with Social Security office.

My husband's mother did not save a penny for his college, and also used the entire amount for new clothes for herself and to pay her house payment for 14 years. Then she would take the surviving child to the goodwill for school clothes and shoes. Which is entirely illegal and unethical in every way.

I'm not saying you're like that, I'm just giving you worst case scenario.

The surviving child is expecting you to save as much as possible for his/her college and future well-being. If you don't, then you'll likely have a torn relationship with that child in the future and end up hurting them worse emotionally. You don't want to do that :o)

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16y ago

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