After a death, families often wonder what Social Security can do for them. Here is a plain-language summary of the main benefits, and where to get exact answers.
The basics
Two Kinds of Help
One-time $255 payment
Social Security pays a one-time $255 lump-sum death payment, usually to a surviving spouse, or to certain children if there is no eligible spouse.
Monthly survivor benefits
Surviving spouses, children and sometimes other family members may qualify for monthly benefits based on the worker’s record.
The $255 Lump-Sum Payment
The payment generally goes to a surviving spouse who was living in the same household as the worker, or to children who were receiving or became eligible for benefits on the worker’s record in the month of death. If you are not already receiving benefits, you generally have two years from the date of death to apply. See the Social Security lump-sum death payment page.
The deceased worker generally must have worked long enough to qualify.
How we help
What Your Funeral Director Can Do
We work with Social Security and the Veterans Administration to file the necessary notices and paperwork, and we can help you understand what to do next.
For exact eligibility and amounts, contact Social Security directly at 1-800-772-1213 or visit ssa.gov. Rules and amounts can change.
Good to know
Frequently Asked Questions
Does the funeral home report the death to Social Security?
Funeral directors commonly help with this notice. Ask your director how it will be handled for your family.
Do I have to apply for the $255 payment?
Usually yes, unless you are already receiving benefits on the worker’s record. Apply within two years of the date of death.
Where can I get exact answers?
Social Security can answer questions about your family’s situation. Call 1-800-772-1213 or visit ssa.gov.
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We’re Here Day and Night
We are happy to help you with the paperwork that follows a death. Call us any time at (740) 264-0563.