Are you currently planning for their future?
Not right now.
But just to know, what if I left a surviving divorced spouse?
If your marriage lasted for at least 10 years, then they could receive the same benefits as your widow or widower.
and, would social security actually help my family if I die?
Yes, if you earn enough social security credits then Social Security would help your survivors with the benefits you earn while working.
Could my widow apply for disability benefits after my death?
She would need to contact Social Security at 1-800-772-1213 . The process could get faster if she completes an Adult Disability Report before her appointment.
Please, tell me about the benefits she could get and at what age?
your widow could get reduced benefits as early as age 60 or full benefits at full retirement age. If she suffers from a disability, she could get the benefits as soon as she turns 50 if the disability started before your death or up to 7 years after your death.
What is the maximum amount my family can get from Social Security?