Social Security & Survivor Benefits
The loss of the family wage earner can be devastating, emotionally and financially. Social Security helps by providing income for families of workers who die. In fact, 98 of ever 100 children could get benefits if a working parent dies. Social Security pays more benefits to children than any other federal program.
Many people think of Social Security only as a retirement program. But some of the Social Security taxes you pay go toward providing survivors insurance for workers and their families. Oftentimes, the value of the survivors insurance you have is more than the value of your individual life insurance.
When you die, certain members of your family may be eligible for survivors benefits. These include widows, widowers (and divorced widows and widowers), children and dependent parents.
As you work and pay Social Security taxes, you earn credits toward your Social Security benefits. The number of years you need to work for your family to be eligible for Social Security survivors benefits depends on your age when you die. The younger you are, the fewer years you need to work. But no one needs more than ten years of work to be eligible for Social Security benefits.
Under a special rule, if you have worked for only one and one-half years in the three years just before your death, benefits can be paid to your children and your spouse who is caring for your children.
Applying for Survivors Benefits
If you are not currently getting Social Security benefits, you should apply for survivors' benefits promptly because, in some cases, benefits will be paid from the time you apply and not from the time the worker died.
The information needed includes:
- Proof of death, either from a funeral home or death certificate
- Your Social Security number, as well as the deceased worker's
- Your birth certificate
- Your marriage certificate, if you are a widow or widower
- Your divorce papers, if you are applying as a divorced widow or widower
- Dependent children's Social Security numbers, if available, and birth certificates
- Deceased worker's W-2 forms or federal self-employment tax return for the most recent year
- The name of your bank and your account number so benefits can be deposited directly
If you are getting benefits as a wife or husband based on your spouse's work when you report the death, The Social Security Administration will change your payments to survivors benefits. If you are getting benefits based on your own work, call or visit a Social Security office to check if you can get more money as a widow or widower.
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.
Who Can Qualify?
- 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 lime).
- Children who were disabled before reaching 22, as long as they remained disabled.
- Dependent parent or parents 62 or older.
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.
Read more about survivor benefits at SocialSecurity.gov. Or call Burton Funeral Homes at 814-454-4551.
Karen and Peter
Your compassion and ability to guide us with mother’s funeral was a blessing.
A big thank you to you and your team!
July 28, 2018
Everyone we spoke with was extremely helpful, understanding and totally invested in our feelings and emotions.
March 21, 2018
I was hoping as time passed, I would find the right words to give you an appropriate thank you, but the only thing time has done is reinforce that it is okay that I cannot find an adequate way to verbalize my gratitude. Thank you so much for everything you and your staff have done to aide us at this time.
March 22, 2018
My Family and I want to thank you and your staff, for being so caring. During our time of hurt. It will never be forgotten. We appreciated you coming out on a cold night to deliver my granddaughter’s bead for her necklace. She thanks you too.
I couldn't have asked for a more dedicated, caring person to assist in our time of sorrow. I need to thank you for everything, honestly without you and your kind heart I'm not sure that it would have been possible, so THANK YOU!
March 21, 2018
The service was beautiful and it was a fitting end for my husband and his service of 21 years 8 months to our country.
July 27, 2018
Thank you so much for being so wonderful to our family. You guys bent over backwards and cut us a lot of breaks when you didn’t have to.
Also, you were so personable and friendly and really showed us empathy through this rough time in our lives. We appreciate you.
July 1, 2018
All member at Burton’s on West 10th Street were very humble. I couldn’t thank them enough. Highly recommend.
July 29, 2018
Thank you for the lovely card and note remembering our brother’s death. It was so thoughtful of you.
It is hard to believe that a whole year has passed. I think of him so often and keep him close that way. Our thanks again too for the very professional and kind and caring way that Burton’s took care of everything for us after my brother’s death.
July 12, 2018
I am very pleased and amazed with everything. I recommend to anyone to purchase any of the great quality Headstones your company has.
I think Mr. Tony J. Montefiori – very professional
July 29, 2018