Social security disability benefits provide crucial financial support to individuals who cannot work due to a disability. These benefits are a part of the social security program, which the SSA designed to help not only retired individuals but also those facing serious health conditions that prevent them from earning a living. However, it’s important to know what happens to these benefits once the recipient passes away.
Who can receive benefits after a death
When a recipient of social security disability benefits dies, the benefits generally stop. The Social Security Administration (SSA) needs to be notified as soon as possible when a beneficiary dies. Typically, the funeral home will report the person’s death to the SSA. Family members or other responsible parties can also report the death.
Despite the general stopping of payments after death, certain family members may be eligible to receive survivor benefits based on the deceased’s earning record. These benefits are particularly aimed at helping the family members who were financially dependent on the deceased.
Eligibility for survivor benefits
Survivor benefits are available to specific family members, including widows or widowers, divorced spouses, children, and dependent parents. The amount and duration of these benefits can vary depending on the survivor’s age, relationship to the deceased, and other factors.
- Widows and widowers: They can receive benefits if they are 60 years or older, or 50 and older if they are disabled themselves. If they are taking care of the deceased’s child who is under 16 or disabled, they can receive benefits at any age.
- Divorced spouses: They might be eligible for survivor benefits if the marriage lasted 10 years or more, and they meet certain age and marital status requirements.
- Children: Minor children, or those 18 and older with disabilities that started before age 22, can receive benefits.
Additionally, parents who were dependent on the deceased for at least half of their financial support may receive benefits if they are 62 or older.
How to apply for survivor benefits
Family members should apply for survivor benefits promptly. You can apply by calling the Social Security Administration or visiting a local SSA office. It’s crucial to have the social security number of both the deceased and the applicant, as well as certain documents like death certificates and marriage certificates, to support the application.
Understanding what happens to social security disability benefits after the death of a recipient is vital for planning and ensuring that eligible family members continue to receive financial support. If you think you might be eligible for survivor benefits, reaching out to the Social Security Administration for guidance and to start the application process is the best step forward.
