If a spouse or parent dies, it is a difficult time for everyone. In addition to the grief, there are also financial implications that you may not want to think about. It is possible to receive some financial assistance during this time from the Social Security Administration. This is known as the Social Security one-time death benefit.
There are things that you need to consider about your eligibility as well as the application process. It’s also important to keep in mind that this amount is not a large one. This special lump-sum death payment is only $255, so it won’t cover the expense of a funeral or other things, but it can still help and you still may be entitled to this money.
Who qualifies for the Social Security one-time benefit?
- 1) A spouse living in the same home as the deceased when they died.
- 2) A spouse living in another location can also be eligible if this person was already receiving benefits on the spouse’s record or became eligible upon this death.
- 3) If there is no surviving spouse, this can be paid to the child or children of the deceased. This is only the case if the child was already receiving benefits on the parent’s record or became eligible upon this death.
How do I apply for the Social Security one-time benefit?
- 1) You can apply either in person at your local Social Security office or by calling 1-800 -772-1213. It is not necessary to schedule an appointment ahead of time when applying in person, but it can save you time if you do.
- 2) Make sure to have certain documents ready. These documents include a birth certificate, proof of citizenship or lawful alien status, U.S. military discharge if you served in the military prior to 1968, W-2 forms for the last year and the death certificate of the deceased.
- 3) Photocopies are acceptable for W-2 forms, but everything else must be original. If you are missing some documents, the SSA can help you attain them.
- 4) You also need to know certain information and will be asking the questions listed here.
- 5) Also make sure to have your financial institution’s information ready for direct deposit purposes.
It’s important to understand how the Social Security one-time death benefit works. Contact us with any questions!