I believe that whether a person should receive the benefits should be determined from her marriage status, whether her spouse was paying into the benefits and the term for which both persons were considered married. I believe that the benefit should also be a onetime benefit for to help with the burial or just money to help out during the death of the loved one. Even if she hadn't worked as a wage earner and was not married, a benefit would help for burial or relief at the time of death for whoever is responsible for the remains.
If she were married for better than three years and the spouse was a wage earner paying into the social security system, then she will receive benefits upon his death. For most of the people that receive these benefits, there is hardly enough money to survive. I mean you have all the household bills; gas, electric, cable, food and repairs that come around more often than needed. In some cases, the mortgage will not even be paid. After the person has buried the spouse, all these burdens will start and then there will be very little funds to pay for it all. Over a period of time, this person will have very little money so all the responsibility will fall on someone else when they pass away. The death benefit would help to resolve this issue when this sad day comes.
You haven't quite made word min. in this entry. The first part of your post is interesting. I'd like to hear some rationale for these proposed benefits..you give a bit below, but have you said all there is to say/explored your idea to it's max?
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