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If you have dependant children living with you, you may be entitled to an additional $24 per week, per child.
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All the women have dependants at home, many of them young children who are being cared for by relatives.
If you have dependants, getting appropriate life cover in place should feature pretty high on the financial priority list.
You don't have expensive tastes, you usually don't have dependants, why do you need all that money?
Most depart in sorrowful resignation, because they have dependants - children and elderly parents - to sustain and insufficient means to do so.
(Nationally, 32% of community-college students have dependants and 84% already work, but are seeking to upgrade their skills and, with luck, their incomes).
But getting your last wishes down in an official contract should be the top of your financial resolutions – especially if you have dependants, says Tony Anderson, marketing director at the Children's Mutual.
The prospect of dying before your three score years and 10 is not something we like to think about, but if you have dependants it is a nettle you must grasp.
The parents had taken legal advice and the financial adviser who sold the scheme had asked them all the questions he should have (including: did they not want to downsize instead; did they need to leave a legacy to someone; did they have dependants; did they have other sources of income, including state benefits or possible windfalls?).
If you have dependants such as a partner or children, life insurance will pay a tax-free cash lump sum if you die within the term of the policy and premiums for a 35-year-old start from as little as £7.79 per month with Legal & General for £100,000 level term assurance over 25 years, according to independent protection adviser LifeSearch (The price could double if you are a smoker).
Older people are stuck with homes they cannot easily sell or have dependants they cannot leave behind.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com