Arizona Life and Health Practice Exam

What kind of benefit can the family of a disabled Social Security recipient expect to receive?

1. A tax credit based on income

2. An income benefit based on the primary insurance amount

3. A lump-sum death benefit

4. A medical expense reimbursement

The correct answer is: An income benefit based on the primary insurance amount

The family of a disabled Social Security recipient can expect to receive an income benefit based on the primary insurance amount. When an individual qualifies for Social Security Disability Insurance (SSDI), their eligible family members may also receive benefits. These family benefits are calculated as a percentage of the disabled worker's primary insurance amount, ensuring that dependents can receive financial support even when the primary earner is unable to work due to disability. This arrangement helps provide financial stability to the family, ensuring that they can maintain their standard of living despite the absence of income from the disabled individual. The benefits for family members can include payments to a spouse and children, depending on their eligibility. Other options listed do not align with the benefits system for families of disabled recipients. For instance, tax credits based on income do not specifically relate to Social Security benefits. Similarly, a lump-sum death benefit is applicable only after the death of the Social Security recipient, not during their period of disability. Medical expense reimbursement is generally not a feature provided directly through Social Security but rather falls under different health insurance programs.