In this article “Does Social Security Pay A Death Benefit“, you will learn how much and how you can receive that money.
When A Family Member Dies
You should notify Social Security as soon as possible when a person dies. However, you cannot report a death or apply for survivors benefits online.
In most cases, the funeral home will report the person’s death to Social Security. You should give the funeral home the deceased person’s Social Security number if you want them to make the report.
If you need to report a death or apply for benefits, call 1-800-772-1213 (TTY 1-800-325-0778). You can speak to a Social Security representative between 8:00 am – 5:30 pm. Monday through Friday. You can also visit your local Social Security office. An appointment is not required, but if you call ahead and schedule one, it may reduce the time you spend waiting to speak to someone.
Does Social Security offer any death benefits?
Social Security benefits that may be available if you are the spouse, child, or parent of a worker who dies. That person must have worked long enough under Social Security to qualify for benefits.
If you are the widow or widower of a person who worked long enough under Social Security, you can:
- Receive full benefits at full retirement age for survivors or reduced benefits as early as age 60.
- Begin receiving benefits as early as age 50 if you are disabled and the disability started before or within seven years of the worker’s death.
- Receive survivors benefits at any age, if you have not remarried and you take care of the deceased worker’s child who is under age 16 or is disabled and receives child’s benefits.
- If you remarry after you reach age 60 (age 50 if disabled), your remarriage will not affect your eligibility for survivors benefits.
The deceased person will have to have worked long enough and paid taxes to qualify for any Social Security programs. The number of credits needed to provide benefits for survivors depends on the worker’s age when they die. No one needs more than 40 credits (10 years of work) to be eligible for any Social Security benefit. But, the younger a person is, the fewer credits they must have for family members to receive survivors benefits.
Benefits can be paid to the worker’s children and the surviving spouse who is caring for the children even if the worker doesn’t have the required number of credits. Each person’s situation is different and you need to talk to a Social Security claims representative by calling 1-800-772-1213 (TTY 1-800-325-0778)
How much does Social Security pay in cash?
A one-time lump-sum death payment of $255 can be paid to the surviving spouse if he or she was living with the deceased; or, if living apart, was receiving certain Social Security benefits on the deceased’s record.
I know what you are thinking, “really only $255!”,but it’s true. I feel like It’s like the government returning to you the taxes you paid on the whole funeral.