When a Social Security beneficiary passes away, the Social Security Administration (SSA) offers a one-time death payment of $255 to help the family with immediate financial needs.
However, not everyone qualifies for this benefit. The deceased must have worked long enough under Social Security to be eligible.
This payment is separate from any ongoing survivor benefits that the family may receive.
Who Can Receive the Payment?
The lump-sum death payment is only available to the surviving spouse or children of the deceased.
To qualify, the spouse must have been living with the deceased at the time of death or, if living apart, must have been receiving certain Social Security benefits on the deceased’s record.
Children may also qualify if they meet specific requirements set by the SSA.
Eligibility Requirements for Spouse and Children
The spouse must have been living with the deceased or receiving benefits on their record to qualify. For children, they must be unmarried and meet age or disability requirements.
Since the exact criteria can vary, contacting the SSA for detailed information is recommended.
How to Apply for the Lump-Sum Death Payment?
The application for the lump-sum death payment must be submitted within two years of the date of death.
Survivors can apply by calling the SSA at 800-772-1213 or by visiting a local Social Security office. It’s important to gather all necessary documents before applying to avoid delays.
Required Information for the Application
Applicants need to provide proof of death, such as a death certificate or a certificate from a funeral home, along with the Social Security numbers of both the deceased and the applicant.
A birth certificate of the applicant is also required. If the applicant is a surviving spouse, a marriage certificate is needed.
If applying as a divorced surviving spouse, divorce documents must be submitted.
Additional Documentation for Children
If children are applying for the payment, they need to provide their birth certificates and Social Security numbers.
The most recent W-2 forms or federal tax returns of the deceased may also be required to verify eligibility. Ensuring all documents are accurate and complete helps speed up the process.
Once approved, the payment will be deposited directly into the applicant’s bank account. Providing correct bank details is essential to avoid issues.
This payment is a one-time benefit and does not affect other Social Security benefits the family may receive.
Understanding the process and eligibility requirements ensures that families can receive this financial support when they need it most.
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