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Among physicians who are inclined to favor inclusion under the Old Age, Survivors and Disability Insurance provisions of the Social Security program, the main attraction seems to be the survivorship benefits. These have been cleverly exploited by the Physicians Forum and others as a special lure for the younger physicians thinking in terms of family protection.
In weighing the real value of these survivorship benefits, all doctors—especially the younger ones who might be paying Social Security taxes for 40 years or more—should keep the following facts in mind:
A widow with no dependent children under 18 receives no immediate survivorship benefits. She must wait until age 62 to get her widow's benefit, which would be a maximum of $81.40 per month.
A widow with dependent children receives survivorship benefits only until her youngest child reaches the age of 18. Thus, there is a "blackout period" between that time
SOCIAL SECURITY FOR PHYSICIANS: 3. SURVIVORSHIP BENEFITS—THE BAIT. JAMA. 1957;165(8):952–953. doi:10.1001/jama.1957.72980260007008
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