Social Security Benefits: What You Need to Know
Losing a spouse or close family member is one of life’s most difficult experiences. In the midst of grief, navigating government benefits like Social Security can feel overwhelming. At Fares J. Radel Funeral Homes, we’re here to help guide you through this process with compassion and clarity.
What Are Social Security Survivor Benefits?
Social Security survivor benefits are monthly payments made to certain family members of a deceased worker who earned enough credits through Social Security-covered work. These benefits are intended to provide financial assistance during an emotionally and logistically challenging time.
What You Need to Apply
To apply for survivor benefits, you will typically need:
- A certified copy of the death certificate
- Social Security numbers (yours and the deceased’s)
- Proof of relationship (e.g., marriage or birth certificate)
- Your banking details for direct deposit
These benefits are not automatic—you must apply by calling the Social Security Administration at 1-800-772-1213 or visiting your local office. Online applications are not currently available for survivor benefits.
Who Is Eligible for Survivor Benefits?
You may be eligible for survivor benefits if:
- You are a widow or widower age 60 or older (50 or older if disabled)
- You are caring for the deceased’s child under age 16 or with a disability
- You are an unmarried child under 18 (or 19 if still in high school)
- You are a dependent parent age 62 or older
Even divorced spouses may qualify under certain conditions.
Understanding the Lump-Sum Death Benefit
A one-time payment of $255 may be made to the surviving spouse or minor child of the deceased. To receive this payment, you must apply within two years of the death.
Your Next Steps: We Can Help
We understand how difficult it can be to manage government paperwork while grieving. When you choose Fares J. Radel, you’re not alone. We’re here to help walk you through notifying Social Security and gathering the required documents so you can focus on honoring your loved one
Frequently Asked Questions
Do I automatically get Social Security benefits when my spouse dies?
No, benefits are not automatic. You must apply by calling or visiting the SSA.
What is the $255 death benefit, and who qualifies?
It is a one-time payment available to a surviving spouse or child who meets eligibility requirements.
How do I start the process of applying for survivor benefits?
Contact the SSA at 1-800-772-1213. You cannot apply online for survivor benefits.
Can I get survivor benefits if I'm divorced?
Possibly. If you were married to your ex-spouse for at least 10 years and meet age and other criteria, you may qualify.
What if my spouse wasn't receiving Social Security yet?
You may still be eligible based on their work record if they had enough work credits.
We Provide Compassionate Support
If you’ve recently lost a loved one and are unsure what to do next, we’re here to help.
Fares J. Radel Funeral Homes has caring advisors who can assist with Social Security and other end-of-life arrangements.
You’re not alone. We’re here for you.
CONTACT A CARING PROFESSIONAL
