Social Security Benefits
At Kutis Funeral Homes, we understand that losing a loved one can be an overwhelming experience. As you navigate through this difficult time, we want to provide you with the necessary resources to help you manage the practical matters that follow. One crucial aspect to consider is understanding and managing Social Security benefits after a passing. This page aims to guide you through the process and provide essential information on handling Social Security benefits.
1 | Notify the Social Security Administration (SSA)
The first step is to report the death of your loved one to the Social Security Administration. In many cases, funeral homes will notify the SSA on your behalf if you provide them with the deceased's Social Security number. However, it's a good idea to confirm this with your funeral director.
2 | Determine Eligibility for Benefits
Surviving family members may be eligible to receive Social Security benefits based on the deceased's work history.
The following individuals could qualify for benefits:
- Surviving spouses aged 60 or older (50 or older if disabled)
- Surviving spouses of any age caring for a child under 16 or disabled
- Unmarried children under 18 (19 if still in high school)
- Disabled children, if the disability began before age 22
- In some cases, dependent parents, stepchildren, grandchildren, or adopted children
3 | Apply for Survivor Benefits
Eligible family members must apply for survivor benefits, as they are not automatically distributed. You can apply by calling the Social Security Administration at 1-800-772-1213 or visiting your local Social Security office.
Be prepared to provide the following documentation:
- Death certificate
- Social Security numbers of the deceased and the applicant
- Birth certificate (for both the deceased and applicant, if a child)
- Marriage certificate (if applicable)
- Divorce papers (if applicable)
- Proof of U.S. citizenship or lawful alien status (if not born in the United States)
- Bank information for direct deposit
4 | Understand Lump-Sum Death Benefit
In some cases, a one-time payment of $255, called a lump-sum death benefit, may be available to the surviving spouse or eligible child. The SSA will provide information on eligibility and the application process.
- Surviving spouses aged 60 or older (50 or older if disabled)
- Surviving spouses of any age caring for a child under 16 or disabled
- Unmarried children under 18 (19 if still in high school)
- Disabled children, if the disability began before age 22
- In some cases, dependent parents, stepchildren, grandchildren, or adopted children
5 | Adjust Benefits for the Surviving Spouse
If you are already receiving Social Security benefits as a spouse, your benefit amount may change upon the death of your partner. You may be eligible for a higher benefit based on your spouse's work record. Contact the SSA to discuss your options and adjust your benefits accordingly.
Be prepared to provide the following documentation:
- Death certificate
- Social Security numbers of the deceased and the applicant
- Birth certificate (for both the deceased and applicant, if a child)
- Marriage certificate (if applicable)
- Divorce papers (if applicable)
- Proof of U.S. citizenship or lawful alien status (if not born in the United States)
- Bank information for direct deposit
Navigating Social Security Benefits After a Loss
Dealing with Social Security benefits after a passing can be a complex process, but we hope this resource page helps simplify it for you. Remember that the SSA representatives are there to assist you, so don't hesitate to reach out to them with any questions or concerns. At Kutis Funeral Homes, we are dedicated to providing support and guidance during this challenging time. Please don't hesitate to contact us if you need any additional information or assistance.