Most people are aware that Social Security provides benefits for retirees. But there are other benefits available through Social Security, including survivor insurance. Based on eligibility, certain family members can receive additional Social Security benefits.
How Eligibility Is Determined
To be eligible for survivor insurance, the deceased family member must have credit for work that is covered by Social Security. This work can range from 1-1/2 to 10 years, depending on the worker’s age at death. The amount paid to survivors also depends on the deceased’s average lifetime earnings.
Lump-Sum Death Payment
Eligible survivors may receive a one-time payment of $255 if the deceased has accrued sufficient work credits. This payment is given to only one survivor in the following order of priority:
In addition to the lump-sum payment, eligible survivors are also entitled to monthly benefits. In this case, eligibility is determined as follows:
Applying For Social Security Benefits
You must file an application with the Social Security Administration (SSA) by going directly to an SSA office or by calling (800) 772-1213. You are required to present the following information to apply:
Other Important Information
You must report your spouse’s passing to Social Security immediately if you are already receiving benefits on your spouse’s record at the time of death. In doing so, your payments will then be changed to survivor benefits. If you are receiving benefits for your own work record, you will need to apply to Social Security to determine if you can receive additional payments under survivor benefits.
At Mountain View Funeral Home, it is our privilege to serve you and your family in any way that we can. We provide the above information to you as a helpful service. If you have further questions about Social Security benefits, we recommend logging on to the Social Security Administration website at www.ssa.gov.