Only the widow, widower or child of a Social Security beneficiary can collect the $255 death benefit, also known as a lump-sum death payment. Priority goes to a surviving spouse if any of the following apply:
- The widow or widower was living with the deceased at the time of death.
- He or she was living separately but collecting spousal benefits on the deceased’s earnings record.
- He or she was living separately but is eligible for survivor benefits on the deceased’s record.
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In the absence of a qualifying widow or widower, the lump-sum payment can go to a son or daughter who is eligible for benefits on the deceased’s work record — that is, the child is unmarried and either a minor; an 18- or (in some cases) 19-year-old who is still in high school; or an adult offspring who is disabled.
If the spouse or child was already receiving family benefits on the deceased’s record, the death benefit will typically be paid to them automatically once the death is reported to Social Security. If that is not the case, the survivor must apply for the death benefit within two years of the death.
You can apply by calling the Social Security Administration at 800-772-1213 or contacting yourlocal Social Security office.Local offices fully reopened in April 2022after being closed to walk-in traffic for more than two years due to the COVID-19 pandemic, but Social Security recommends calling in advance and scheduling an appointment to avoid long waits.
You may need to provide the late worker’s birth and death certificates and other documents. You might also need to answer questions about the deceased’s family, financial and Social Security status, as enumerated in Social Security formSSA-8.
If there is no eligible spouse or child to collect it, no death benefit is paid.
Keep in mind
The death benefit is a one-time payment, not to be confused with survivor benefits, which are continuing payments made to the surviving spouse, ex-spouse, children or, in rare instances, the parents of the deceased.
Andy Markowitz covers Social Security and retirement for AARP. He is a former editor of the Prague Postand Baltimore City Paper.
