How does the Social Security Administration (SSA) assist?
The US Social Security Administration (SSA) assists people financially in diverse approaches, specifically while they’re in need. For example, the SSA offers retirement, disability, and survivor benefits. Furthermore, the SSA additionally assists in applying for a unique federal advantage named “Supplemental Security Income” (SSI).
But few people are privy to one aspect: the Lump Sum Death Payment. That’s a lump sum charge made when a Social Security beneficiary passes away.
What is a lump sum death payment, and how much is it worth?
When a family member passes away and they were taking Social Security advantages, the SSA sends a $255 (US dollars) one-time payment to the next of relations of that individual. The sum may not be massive, but it may provide a few monetary comforts at some point of a trying second.
The payment is open to anyone who is an eligible partner; however, now not simply a spouse, but an eligible baby can also get it as well—if they qualify according to the SSA.
When and how to apply for this payment?
The SSA advises that all and sundry who qualify for this lump sum fee should observe it within two years after the individual’s death. You’ll pay over at the cash if you don’t declare it inside time.
That’s why applicants should apply for this payment immediately after a Social Security beneficiary dies.
What are survivor benefits?
Besides the lump sum charge, Social Security also gives survivor benefits to some people dependent on the deceased.
- Surviving spouse
- Unmarried children
- Divorced spouse—Yes, if you were divorced from a Social Security recipient and meet specific requirements, you might qualify for survivor benefits.
Here’s something really worth noting: One man’s or woman’s benefits might not affect the other individual’s benefits.
All advantages are calculated consistent with the deceased person’s income, so you should tell SSA of the man or woman’s death.
How to apply for survivor benefits?
You can’t apply online. You need to call SSA directly:
- Phone number: 1-800-772-1213
- TTY service (for hard of hearing): 1-800-325-0778
- Hours: Monday through Friday, 8:00 a.m. to 7:00 p.m.
If you don’t mind waiting, you can also schedule an appointment at your local SSA office.
What if you still have less income than benefits?
If your earnings are so low you can’t even make ends meet in spite of survivor benefits, you will be able to apply for other federal help programs, which include:
- SSI (Supplemental Security Income)
- SNAP (Food Assistance, also referred to as Food Stamps)
The SSA and government agencies operate a range of programs to support individuals in need.
Conclusion
The loss of a family member is a sad moment, but Social Security can deliver some relief. It may be a one-time death payment of $255 or monthly survivor benefits—this assistance can ease your financial pressure a bit.
It’s great to apply in time and remain in contact with the SSA so that you don’t lose out on any benefits.
FAQs
How does the Social Security Administration (SSA) help after someone’s death?
SSA provides financial help through survivor benefits and a one-time $255 lump sum death payment to qualifying family members of a deceased Social Security recipient.
What is the lump sum death payment amount from SSA?
The SSA offers a one-time payment of $255 to a qualifying spouse or child of a deceased Social Security recipient, providing modest financial support during difficult times.
Who qualifies for the $255 lump sum death payment?
An eligible spouse or child may receive the payment, but they must meet specific SSA requirements and apply within two years of the death.
