When confronted with a death, knowing the necessary steps to take can alleviate some of the uncertainty during this challenging time. Whether the passing occurs at home, in a care facility, or elsewhere, understanding the immediate actions is crucial. This includes contacting local authorities or emergency services and coordinating with your preferred funeral home. Having a plan in place can help you navigate the initial stages of bereavement with greater clarity and peace of mind.
Eligibility for Social Security Benefits
To qualify for monthly Social Security benefits, the deceased worker must have earned work credits ranging from 1.5 to 10 years, depending on their age at the time of death. Those eligible for monthly benefits include:
Widow or Widower: Age 60 or older (50 if disabled), or at any age if caring for an entitled child who is under 16 or disabled.
Divorced Widow or Widower: Age 60 or older (50 if disabled) if the marriage lasted 10 years, or if caring for an entitled child who is under 16 or disabled.
Unmarried Children: Up to age 18 (or 19 if attending primary or secondary school full-time).
Disabled Children: Who were disabled before reaching age 22 and remain disabled.
Dependent Parents: Age 62 or older.
Lump sum Payment
A one-time payment of $255 is paid in addition to the monthly cash benefits described above. The lump-sum death payment (LSDP) is paid in the following priority order:
A surviving spouse who lived in the same household as the deceased person at the time of death
A surviving spouse eligible for or entitled to benefits for the month of death
A child or children eligible for or entitled to benefits for the month of death
To receive these benefits, an application is required. You can apply at any Social Security office, by telephone at 1-800-772-1213, or online at www.ssa.gov.
