Social Security Benefits

Social Security Benefits

The following checklist is designed to help you file for your Social Security benefits correctly so that prompt payments may be made.

For Immediate Assistance, Please Call (734) 453-3333. We Are Available 24/7 To Assist


To receive monthly benefits, the deceased worker must have credit for work covered by Social Security ranging from 1 1/2 to 10 years depending on his or her age at death. Those eligible for monthly benefits include:

  • A widow or widower age 60 or older (50 if disabled) or at any age if caring for an entitled child who is under 16 or disabled
  • A divorced widow or widower age 60 or older (50 if disabled) if the marriage lasted 10 years or if caring for an entitled child who is under 16 or disabled
  • Unmarried children up to 18 (19 if they are attending a primary or secondary school full-time)
  • Children who were disabled before reaching 22 as long as they remained disabled
  • Dependent parent or parents 62 or older


Does Social Security Pay for a Funeral?

Yes. As long as an individual qualifies, he or she will be eligible for up to $255 in death benefit payments. The Federal government pays half the cost of cremation and burial services while another state agency may offer more money depending on where you live.


How Much Does Social Security Allow for Funeral Expenses?

SSI will cover some of the funeral expenses for those getting payments from them, and most states offer burial programs with low-cost caskets. The Social Security Administration (SSA) provides a $255 lump-sum death payment to survivors of someone on Social Security or Supplemental Security Income (SSI). This is not based on the person's lifetime earnings, but rather their average monthly wage level in the 18 months prior to retirement or in Disability Insurance Benefit pre retirement earnings period. Survivors who are under age 18, attending school full time, disabled themselves or caring for someone who is disabled also qualify for monthly benefits if they meet certain criteria. The SSA can help families find local funeral homes that accept its death benefit payment.


Lump-Sum Death Payment

A one-time payment of $255 is paid in addition to the monthly cash benefits described above. The lump-sum death payment (LSDP) is paid in the following priority order:

  • A surviving spouse who lived in the same household as the deceased person at the time of death
  • A surviving spouse eligible for or entitled to benefits for the month of death
  • A child or children eligible for or entitled to benefits for the month of death


How much does social security pay for a funeral?

The amount of social security that a beneficiary receives in the form of Social Security Death Benefits is currently $255, though this amount will change in 2018 to $340. This is not enough for most funerals and other expenses following the death of someone who had retired from paid work and was receiving more benefits under Old Age Survivor's benefits or supplemental security income. But it will cover some basic things like urn or casket, hospital-provided cremation services (including medical examiner's fee), outer burial container, grave opening & closing and a cemetery plot.


Applying for Benefits

You must apply in order to receive benefits. You may apply at any Social Security office, by telephone at 1-800-772-1213, or online at www.ssa.gov.



Social Security Funeral Benefit FAQs


Does social security pay a burial benefit?

A lump-sum death payment is provided by Social Security. The benefit cannot be distributed to funeral homes or estates for funeral expenses, even if a spouse chooses to use it for that purpose. The benefit is not paid if there is no qualifying beneficiary.


Does social security pay for funeral?

In most cases, you and your spouse can each set aside up to $1,500 for burial costs. In most circumstances, this money will not be counted as a Supplemental Security Income resource (SSI). For more accurate advice, don't hesitate to call us at (734) 453-3333.


When a Family Member Passes Away, Can Social Security Assist You?

The funeral director will require the deceased's Social Security number in order to complete the paperwork. Some of the deceased's death can collect this money, but do not cash any checks for the month the individual died or later.


Can I get my deceased parents Social Security?

Yes, and this is one of the primary responsibilities of the executor, also called a Personal Representative or Primary Fiduciary. The personal representative's responsibility is to manage financial affairs for the will-maker while estate matters are in process or pending and make distributions according to the will or applicable laws. When distributing assets from an estate, Social Security might be considered among various other assets held by an individual such as retirement funds, IRAs/CDIs/annuities, stocks/bonds/mutual funds etc., so you need to select which asset type you would like your distributions from - such as income (Social Security) rather than non-income (stocks).


Can I collect my deceased spouse's Social Security and my own at the same time?

Yes. You collect Social Security benefits by meeting certain eligibility requirements, not by being married to a particular person. If you meet the eligibility requirements for your own retirement benefits and continue to work so that you qualify for reduced or aged-worker benefits, we'll pay your spouse's benefit directly to them on your original payment date unless they decide not to receive any future payments because they retired or died before reaching age 62 without ever collecting their own benefit. In such cases where one social security recipient dies before their full retirement age, the surviving social security recipient can choose to take over the other party's benefit with no money changes involved.

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Phone: (734) 453-3333
280 S. Main St, Plymouth, MI 48170

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