Can I handle SSA survivor benefits phone interview during chemo treatment? Need certificate advice
Hi everyone, I'm in a tough spot and could use some advice. I applied for SSDI last month and now I have a phone appointment with SSA for survivor benefits next week. The problem is they scheduled it for the exact same day as my chemotherapy treatment. Has anyone done an SSA phone interview during medical treatment? I'll be in a chemo room with other patients (some privacy with space between chairs), but I'm worried about talking about personal information or if I'll be too fatigued. During my disability interview, they already collected my late husband's social security number and asked several questions about him. From what I understand, this survivor benefits call is mainly about telling me what documents they need (marriage certificate, death certificate) and where to send them. Is that correct or will this be another full interview? I don't want to reschedule if it's just a quick call about documents, but I'm anxious about managing both on the same day. Anyone have experience with this?
16 comments
Yara Khoury
I've been through both processes and the survivor benefits call is usually pretty straightforward if they already have his SSN and basic info from your disability application. They'll confirm what documents they need (yes, marriage and death certificates - ORIGINALS, not copies) and give you the address for sending them. They might also ask about any dependent children if applicable. The call shouldn't take more than 15-20 minutes if everything is straightforward. Honestly, you could probably handle it during chemo if you're feeling up to it. I had to deal with SSA during my husband's cancer treatment and found that having these calls during treatment actually helped distract me from the anxiety of being there. Just make sure you have a notepad to write down any instructions they give you, as chemo brain is real and you might forget details.
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Connor O'Reilly
•Thank you so much for this info! That's a relief to hear it shouldn't be too involved. I'll definitely bring a notepad - good thinking. I hadn't even considered the chemo brain factor. Do you remember if they mailed you a list of required documents before the call, or was the call the first time they told you what to send?
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Keisha Taylor
You can do it during chemo but id bring headphones. I had to talke to them about my dads benefits when he passed and they ask alot of personal stuff. make sure noone can hear u
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Connor O'Reilly
•Good idea about the headphones! I'll definitely bring mine. Did they ask for a lot of information beyond what was already in the system?
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StardustSeeker
I'd strongly recommend RESCHEDULING your survivor benefits call. While some people here suggest it's simple, my experience was very different. My survivor benefits interview lasted nearly 45 minutes with detailed questions about my marriage, my late spouse's work history, other potential beneficiaries, and several verification questions. You'll need to be mentally sharp to answer everything correctly, and chemo treatment might make that difficult. The SSA agent might also ask you to verify documents or check information while on the call. If you decide to proceed anyway, make sure to: 1. Inform the agent at the beginning that you're during medical treatment 2. Ask if this can be broken into two calls if needed 3. Have all your husband's information (work history, prior marriages, etc.) ready 4. Bring headphones for privacy But honestly, there's no rush on survivor benefits - they're retroactive to application date. Taking care of your health should come first.
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Connor O'Reilly
•This is making me second-guess my plan. If it's going to be that detailed, I might need to reschedule. My last chemo session left me pretty foggy for hours. Do you know if rescheduling is complicated? I don't want to delay benefits if I can avoid it.
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Paolo Marino
I had to handle my survivor benefits application while caring for my sick mother last year, so I understand the challenge of balancing SSA requirements with health issues. Based on my experience, whether you can handle it during chemo really depends on: 1. How you typically feel during treatment - some people get very fatigued or foggy 2. How complicated your case is - if your husband had multiple marriages or worked for employers not covered by Social Security (some government jobs), it gets more complex 3. Your comfort discussing personal details in a semi-public setting If they already collected basic info during your disability interview, this might just be a document verification call. But be prepared for questions about your marriage date, your husband's date of death, and potentially his work history. One thing to note: If you're approved for both SSDI and survivor benefits, you'll receive whichever amount is higher, not both combined. They'll calculate which is more beneficial for you.
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Connor O'Reilly
•Thank you for the comprehensive answer. My husband only had our marriage and worked traditional jobs with Social Security coverage, so hopefully that simplifies things. Good point about not receiving both benefits - my disability payment would be much lower than his survivor benefit, so I'm hoping to qualify for the latter.
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Amina Bah
i tried FOUR TIMES to reach someone at social security last month about my survivors benefits!!! kept getting disconnected or waiting 2+ hours only to be told wrong department. finally i found a service called claimyr.com that got me through to an agent in 15 mins!! they have a video showing how it works https://youtu.be/Z-BRbJw3puU if you need to reschedule your appointment because of chemo (which i would honestly) then use this to get through quick instead of waiting forever. my survivor benefits interview was NOT quick - took almost an hour with all the questions about marriage and death and other potential beneficiaries.
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Connor O'Reilly
•Thanks for the tip! I'll check out that video. It's so frustrating trying to get through to SSA. I'm leaning toward rescheduling now after hearing everyone's experiences. Did you have to provide a reason when rescheduling?
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Oliver Becker
Yes, you can certainly handle the survivor benefits call during your chemotherapy if you're comfortable with it. The Social Security Administration routinely conducts these follow-up calls after initial applications to confirm document requirements. Since they already have your late husband's Social Security number and basic information from your disability application, this call will likely focus on: 1. Confirming which documents you need to submit (original marriage certificate and death certificate) 2. Providing the correct mailing address for these documents 3. Explaining any waiting periods or next steps 4. Answering any questions you might have about the process One important note: be sure to send original or certified copies of documents, not photocopies. SSA will return these to you after processing. Also, while the call itself may be brief, you might want to ask about the likely timeline for processing your survivor benefits claim, as this can sometimes take several months. Regarding the privacy concerns, you can always ask the SSA representative to hold briefly if sensitive information needs to be discussed and you need to step away from others.
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Connor O'Reilly
•Thank you for the detailed explanation! I'll make sure to ask about the timeline. Do you happen to know if they'll mail the documents back to me automatically, or do I need to specifically request that they return them?
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Natasha Petrova
OMG my friend did her survivor benefits call during a doctors waiting room and regretted it SO MUCH!!!! They ask about income and bank accounts and all kinds of personal stuff. Everyone could hear her! Plus she was stressed and forgot some important details about her husbands work history. Just reschedule!!!
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Connor O'Reilly
•Yikes, that sounds awful! I definitely wouldn't want everyone hearing my personal financial information. Based on all the comments, I think I'm going to call and reschedule for a day when I can be at home with privacy and a clear head.
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StardustSeeker
I just want to clarify a couple of technical points that have been mentioned in this thread: 1. For survivor benefits, the SSA will need to verify your marriage duration (minimum 9 months in most cases) and confirm your husband's work credits. 2. You mentioned already applying for SSDI. If you're approved for both benefits, you'll receive the higher of the two amounts, not both. This is called the "dual entitlement rule." 3. If you reschedule, it shouldn't affect your payment start date - survivor benefits can be paid retroactively from your application date. 4. During the call, they'll likely review any potential Medicare enrollment if you're under 65 and qualifying for SSDI. I recommend rescheduling for a time when you can be fully present. While they may already have some information from your disability application, the survivor benefits process has its own specific requirements, and you'll want to be mentally sharp to ensure everything is processed correctly.
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Connor O'Reilly
•This is extremely helpful information. I didn't know about the 9-month marriage duration requirement, but thankfully we were married for over 12 years. I'll make sure to have all his work history information ready for whenever we reschedule the call. Thank you!
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