Losing a loved one is an extremely challenging experience. Not only do you have to cope with grief, but you also have to handle many tasks, from funeral arrangements to finances. One way to ease the financial burden and stress is to apply for Social Security survivor benefits. 

Guide to Survivor Benefits

Survivor Benefits vs. Death Benefits

When a person passes away, their survivors may be eligible to receive a lump-sum of $225, known as a death benefit, which can help offset the cost of funeral arrangements, burial, and other arrangements. Eligible persons include a spouse living in the same household or a spouse who was receiving benefits on the deceased’s work record at the time of death. Likewise, children must have been eligible to receive benefits during their parent’s passing to receive this payout.

However, survivor benefits are more substantial. These benefits account for the long-term financial burden a loss can have and come in increments over several years, sometimes for the rest of the survivor’s life. To accrue survivor benefits, a person must have enough Social Security credits, a number which varies depending on the age they die.

Children & Parent Survivors

Minor, unmarried children age 18 years or younger qualify for Social Security benefits if their parents received retirement or disability payments at the time of death. Children of any age who were disabled before the age of 22 can also claim benefits.

Sometimes, parents who rely on their adult child for financial support can receive survivor’s benefits if the child passes away. Generally, children do not need to apply for survivor’s benefits as they will automatically get the award.

Widows & Widowers

If your spouse passes away, you are eligible to receive full survivor benefits at retirement age. You can claim early, but the amount you receive will be less. For instance, if you claim at age 60, you concede a 28.5% reduction. If you are not yet 60 but are caring for a child under 16 or a disabled adult child, you only face a 25% reduction. Even divorced spouses can receive benefits, as long as they were married for at least 10 years and are 60 years or older.

If you have lost a loved one and need help claiming survivor benefits or making funeral arrangements, turn to Robert W. Waid Funeral Home. Based in Meadville, PA, this funeral home has supported individuals and families for over 100 years. From funeral arrangements to cremation and obituaries, they provide a full range of after-death services to ease the burden on your family. Call (814) 724-1021 to speak with a helpful staff member. Visit the website for more information about social security benefits and other resources.