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 every 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
Thank you for the beautiful service you had for our loved ones who passed away!
Thank you for the beautiful ornament too!
January 6, 2019
A note to say thank you for the Christmas Stockings! Our Veterans were touched, pleased and happy!
This was wonderful, thoughtful and very generous of all those who made this event happen.
We want to extend our appreciation to all of you, your thoughtfulness and time has made Christmas special to many Veterans!
April 5, 2018
I appreciate all of your efforts to make my husband funeral arrangements and funeral services ran smoothly.
September 22, 2018
Over the past year, you have been a tremendous help to me as I tried to move the through two very sudden and grief filled situations and deaths. My sister’s funeral went very well. She is home and laid to rest next to our parents. It was a very small, quiet service that let us bury her in a manner that let us grieve and honor her. Your help in coordinating two out of town funerals was immensely appreciated. I could not have done it without your expert help.
Your quiet understanding and very capable nature made these difficult situations more bearable.
Enjoy the summer!
Thank you for the beautiful card and words on the anniversary of Dad’s passing.
July 24, 2018
Dear Burton family –
We can’t thank everyone enough for making a very difficult time bearable. Everything was absolutely perfect! My dad would be proud and being part of the Ericson/Burton family made me so proud. Everyone kept saying thank God you work for the Burton’s! They really made us feel at ease and truly cared for dad and our whole family. Love and hugs.
To everyone at Burton, please know how much we ALL appreciate everything you and the whole staff did for us. We are very grateful.
October 5, 2018
I wanted to thank you for offering and then sending ornaments in memory of my parents. It was a source of comfort in this first Christmas without them.
Thank you again.
April 3, 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
Karen – Thanks so much for everything you have done throughout the process of helping us with the accommodations for our loved one. It was a pleasure working with you and Burton Funeral homes.