I live in Maryland. I have been paying into social security ever since I was 17 years old. I am now over 60 years old and still working full time. I am single (divorced) with no children of my own. My closest relatives are my brother and sister.

Under this scenario I would like to know what happens to my social security benefits if I die before retirement, or even shortly after retirement? I have tried calling the S.S. office but simply cannot hold on the phone for an hour ... so thank you for this forum.