[where's_the_Outrage?]

What to note.

If you die tomorrow, what will the GVT pay? Note that the US GVT is under no obligation to pay your heirs anything. And other than your wife, your heirs most likely have no claim on what you paid to SS.

In my case I have a 4 year old daughter, she has a claim.

[abb]

But only up to age 18 or 19.

https://www.ssa.gov/planners/survivors/onyourown4.html