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Cedric Chung

How long after applying for Social Security widow/spousal benefits until first payment arrives?

I just submitted my application for widow's benefits last week after my husband passed away in January. The SSA rep I spoke with was vague about the timeline, just saying it could take 'a while to process.' I'm 62 and really need to know when to expect that first payment so I can plan my finances. Has anyone here recently gone through this process? How long did it take from application to receiving your first check for widow's or spousal benefits? And do they typically send any notification before the money arrives?

Took me about 6 weeks to get my first widows check. Applied online back in october. They backdated it tho so I got a bigger first payment. Good luck!

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Thanks for sharing your experience. Did they give you any updates during those 6 weeks or did the money just show up in your account?

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The processing time for survivor benefits can vary quite a bit, but typically you can expect 4-8 weeks from application to first payment. Several factors affect this timeline: 1. Whether your application was complete with all required documentation 2. If the SSA needs to verify additional information 3. Current workload at your local office 4. Whether you applied online or in-person You should receive an award letter before your payment arrives. This letter will confirm your benefit amount and payment schedule. If it's been more than 30 days, you can call SSA to check on status. Your first payment may include retroactive benefits if applicable.

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Thank you for the detailed explanation. I did provide my marriage certificate, his death certificate, and birth certificates when I applied, so hopefully that speeds things up. I'll look out for that award letter.

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When my sister got widows benefits it took FOREVER. Like 3 whole months! And no one would tell her what was happening. SSA is so frustrating. Hope yours goes faster than hers did.

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This is why I'm nervous about applying for widow's benefits next year. My neighbor said she got her first payment in just 2 weeks, but my cousin waited almost 4 months! The inconsistency is maddening.

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For widow's benefits specifically, first payments typically arrive 30-45 days after application if everything is in order. If you haven't received anything in 30 days, I'd recommend calling to check your status. One thing to note - the month of application matters. If you apply late in a month, your first payment might be delayed to the following month's schedule. SSA pays benefits the month after they're due, so timing can affect when that first deposit hits your account. Also, make sure you're checking the correct account. SSA will deposit to the same account your husband's benefits were going to unless you specified differently in your application.

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Thank you for explaining about the payment timing. I applied on the 10th, so hopefully that wasn't too late in the month. And yes, I did provide my own bank account information since my husband and I had separate accounts.

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I tried calling SSA for THREE WEEKS straight when I was waiting for my spousal benefits to start and could never get through!!! Always busy signals or disconnected after waiting forever. Finally found a service called Claimyr that got me connected to an agent in 20 minutes! They have this phone system that waits on hold for you then calls when an agent picks up. Check out their video demo at https://youtu.be/Z-BRbJw3puU - website is claimyr.com. Saved me so much stress when I needed to check my application status.

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omg did that actually work? i need to talk to someone about changing my direct deposit but cant get thru on the phone. might try this

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my aunt got her widows benefits in like 2 weeks but shes 80 so maybe they prioritize older people? idk just guessing

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I've heard they do prioritize applications for those in dire need or of advanced age. Also depends if the death was recent or if you're applying years later.

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I received my first spousal benefit payment exactly 5 weeks and 2 days after applying. I was checking my bank account obsessively! One thing to remember is that Social Security benefits are paid the month AFTER they are due. So for example, February benefits are paid in March. This confused me at first because I was expecting payment right away, but there's always that one-month delay in the system. Also, depending on when you applied, you might be eligible for retroactive benefits going back to the month of your husband's passing. Did the claims representative discuss this with you? If not, you should specifically ask about it when you follow up.

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The rep did mention something about retroactive benefits, but I was honestly so overwhelmed with grief during the application process that I don't remember all the details. I'll definitely bring that up when I follow up. Thank you for mentioning it!

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It took about 6 weeks for my widow's benefits to start. The frustrating part was not knowing if they were processing it correctly or if I needed to follow up. I wish they'd give us some kind of tracking system like Amazon packages!

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omg yes! why is it easier to track a $10 pizza than thousands of $$$ from SS that we NEED to live on?? makes no sense

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Just to follow up on my earlier comment - you mentioned applying last week. I recommend marking your calendar for 30 days from your application date. If you haven't received any correspondence by then, that's a good time to contact SSA for a status update. The MySocialSecurity online account sometimes shows processing status, though it's not always updated promptly. Have you created an online account yet? That might give you some visibility into the process.

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Yes, I do have an online account. It just shows my application as "pending" but no other details. I'll mark my calendar for the 30-day follow-up as you suggested. Thank you!

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Just heard from a friend who recently received widow's benefits - her first payment came exactly 37 days after application. She said what helped was submitting all documentation together with the initial application rather than having SSA request additional items later. Also, for planning purposes, remember that Social Security payment dates are based on your birth date: - Birth dates 1-10: Second Wednesday of the month - Birth dates 11-20: Third Wednesday of the month - Birth dates 21-31: Fourth Wednesday of the month So once your benefits begin, you'll receive payments on the same Wednesday each month based on your birth date.

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Thank you for this information! My birthday is on the 18th, so I guess I'll be getting payments on the third Wednesday of each month. That's really helpful for my budget planning.

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I'm so sorry for your loss, Cedric. I went through this same process about 8 months ago when my husband passed. Mine took exactly 6 weeks and 3 days from application to first deposit. The waiting was the hardest part, especially when you're already dealing with so much. A few things that might help while you wait: - SSA will send you a notice about 1-2 weeks before your first payment explaining your benefit amount and payment schedule - If you're eligible for retroactive benefits back to January, that will be included in your first payment (mine was quite a bit larger because of this) - You can call the national number (1-800-772-1213) after 30 days to check status, but as others mentioned, getting through can be challenging The good news is that once it starts, the payments are very reliable. Hang in there - you should hopefully hear something within the next few weeks.

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I'm really sorry for your loss, Cedric. I went through this exact same situation about 2 years ago when my husband passed. From my experience, the timeline can really vary - mine took about 5 weeks, but I know others who waited longer. One thing that might help ease your anxiety is knowing that SSA typically processes widow's benefits faster than some other types of claims since they understand the urgency. Also, if you're eligible for retroactive benefits back to January (which you likely are), your first payment will include those back payments, so it should be substantially larger than your regular monthly amount. The waiting is absolutely the worst part when you're already dealing with grief and financial stress. I kept a little calendar and marked off each day - it helped me feel like I had some control over the situation. You're doing everything right by staying proactive about it.

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Thank you so much for your kind words and for sharing your experience. It really helps to hear from someone who's been through this exact situation. The calendar idea is brilliant - I think having that visual countdown will definitely help me feel more in control during this waiting period. I'm hopeful about the retroactive benefits since my husband passed in January and I just applied last week. Your reassurance that widow's benefits are typically processed faster gives me some comfort. Thank you again for taking the time to share your story.

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I'm so sorry for your loss, Cedric. I went through this same process last year when my wife passed away. It took about 7 weeks for my first survivor benefit payment to arrive, but like others mentioned, it included retroactive payments back to the month she passed, which helped cover some of the expenses I had during that difficult time. One thing I wish someone had told me is to keep detailed records of when you applied and any correspondence you receive. I created a simple folder with copies of everything - it made it much easier when I had to call and check on the status. The hardest part is the uncertainty, especially when you're already dealing with so much. Try to be patient with yourself during this process. The benefits will come through, and SSA generally does prioritize these types of claims. Wishing you strength during this difficult time.

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Thank you so much for your thoughtful advice, Natasha. The idea of keeping detailed records is really smart - I'm definitely going to start a folder like you suggested. I've been so scattered with everything that having one organized place for all the SSA paperwork will be a huge help. It's reassuring to know that even though yours took 7 weeks, you did get those retroactive payments. The uncertainty really is the hardest part right now, especially when you're trying to figure out your finances for the coming months. I appreciate you sharing your experience and your kind words.

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I'm so sorry for your loss, Cedric. I lost my husband 18 months ago and went through this exact same process. My widow's benefits took about 5 weeks to start, and like others have mentioned, the first payment included retroactive benefits back to the month he passed away. One thing that really helped me during the waiting period was calling my local SSA office directly rather than the national number. The local office staff seemed more familiar with my case and could give me better updates. You can find your local office number on the SSA website. Also, don't be surprised if you receive a call from SSA asking for additional verification - they called me about 3 weeks after I applied just to confirm some details about my marriage and my husband's work history. It's normal and doesn't mean there's a problem with your application. The waiting is incredibly stressful when you're already dealing with grief and financial concerns. Hang in there - the benefits will come through, and once they start, they're very reliable. You're doing everything right by staying on top of it.

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Thank you so much for sharing your experience, Rebecca. The tip about calling the local SSA office directly is really valuable - I hadn't thought of that and it makes sense that they'd be more familiar with individual cases. I'll definitely look up my local office number. It's also good to know that receiving a verification call is normal and not a red flag. I was worried that any additional contact from them might mean there was an issue with my application. Your reassurance about the reliability of the payments once they start gives me hope. It's comforting to connect with others who have walked this difficult path and come out the other side. Thank you for taking the time to share such helpful advice during what I know must still be a difficult time for you as well.

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I'm so sorry for your loss, Cedric. I went through this same process about 9 months ago when my husband passed away. My widow's benefits took exactly 6 weeks and 4 days from application to first payment. One thing that helped me manage the anxiety during the wait was setting up text alerts on my bank account so I'd know immediately when any deposit came through. Also, I made sure to save the confirmation number from my application - it made it much easier when I had to call for a status update. The retroactive payments made a real difference. Since your husband passed in January and you just applied, you should be eligible for benefits going back to that time, which will be included in your first payment. The waiting period is absolutely brutal when you're grieving and worried about finances. But once the benefits start, they're incredibly reliable. You'll get through this difficult time. Sending you strength.

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Thank you so much, Ryan. Setting up text alerts for bank deposits is such a practical tip - I'm going to do that right now. The anxiety of constantly checking my account is exhausting, so getting an immediate notification will definitely help. I did save my confirmation number, thankfully, though in my grief fog I almost forgot to write it down. It's really encouraging to hear from so many people who've been through this exact situation. The consistency in everyone's timelines (around 5-7 weeks) gives me a realistic expectation to work with. I'm trying to stay hopeful about those retroactive payments since the financial stress on top of everything else has been overwhelming. Thank you for the encouragement - this community has been such a lifeline during this difficult time.

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I'm so sorry for your loss, Cedric. I went through this exact process about 6 months ago when my husband passed away unexpectedly. My widow's benefits took about 5 weeks and 2 days from application to first payment, which included retroactive benefits back to the month he died. A few things that helped me during the waiting period: - I called SSA at exactly 8 AM when they opened - much better chance of getting through than calling later in the day - I kept a simple notebook with dates of all my interactions with SSA, including application date and confirmation numbers - I set up account alerts on my phone so I'd know immediately when any deposits came through The hardest part is not knowing what's happening behind the scenes. Just know that widow's benefits are generally processed faster than other types of claims because SSA understands the urgent financial need. Since you applied with all your documentation upfront (marriage certificate, death certificate, etc.), that should help speed things along. Hang in there - the benefits will come through, and that first payment with the retroactive amount should provide some financial relief during this incredibly difficult time. You're doing everything right by staying proactive about following up.

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Thank you so much for sharing your experience and all these practical tips. The idea of calling right at 8 AM is brilliant - I've been trying to call in the afternoons and just getting busy signals. I'm definitely going to try that tomorrow morning. I really appreciate the advice about keeping a notebook too. I've been so scattered with everything that having one place to track all my SSA interactions will be really helpful. It's reassuring to hear that widow's benefits are processed faster and that having all my documentation ready should help. The waiting is so hard when you're already dealing with grief and financial stress, but hearing from people like you who've been through this exact situation gives me hope that everything will work out. Thank you for taking the time to share such detailed and caring advice.

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I'm so sorry for your loss, Cedric. I went through this same process 14 months ago when my spouse passed away. My widow's benefits took about 4 weeks and 6 days from application to first payment, which was faster than I expected based on what I'd heard from others. A couple of things that might help ease your mind during the wait: - Keep checking your MySocialSecurity account online - mine updated to show "approved" about a week before the first payment arrived - The award letter typically arrives 3-5 days before your first deposit, so that's a good sign to watch for - Since you applied in late March for benefits starting from your husband's passing in January, your first payment should include those retroactive months, which will make it substantially larger than your regular monthly amount I know the uncertainty is incredibly stressful when you're already dealing with so much. The financial anxiety on top of grief is overwhelming. But based on what you've shared about having all your documentation ready when you applied, it sounds like you did everything right to avoid delays. Most widow's benefit applications that are complete upfront process within that 4-6 week timeframe. Hang in there - you should hopefully hear something within the next couple of weeks. This community has been such a support during difficult times like these.

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Thank you so much for sharing your timeline and all the helpful details, Liam. It's really encouraging to hear that yours processed in under 5 weeks! I'll definitely keep checking my MySocialSecurity account more regularly - I didn't realize it might show "approved" status before the payment arrives. That would definitely help with the anxiety of not knowing what's happening. The tip about watching for the award letter is also really valuable. I'm trying to stay optimistic about the retroactive payments since the financial strain has been significant. This community has been incredible - I never expected so much support and practical advice from people who truly understand what this process is like. Thank you for taking the time to share your experience and for the encouragement.

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I'm so sorry for your loss, Cedric. I went through this same situation about 8 months ago when my husband passed away. Mine took exactly 42 days from application to first deposit - I was counting every single day! A few things that helped me during the waiting period: - I created a simple spreadsheet tracking my application date, follow-up calls, and any correspondence - Set up mobile banking alerts so I'd get notified immediately of any deposits - Called my local SSA office (not the national number) around day 30 for a status update - they were much more helpful than the 1-800 line The retroactive benefits back to January should make your first payment quite substantial, which will hopefully provide some financial relief during this incredibly difficult time. Since you applied with all your documentation ready, that should help avoid any delays. I know the uncertainty is brutal when you're already dealing with grief. But from everything you've shared, it sounds like you're doing everything right. Most complete widow's benefit applications process within 4-6 weeks. You should hopefully hear something very soon. Hang in there - this community is here for support during this tough time.

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Thank you so much for sharing your experience, Sophia. The spreadsheet idea is really smart - I'm definitely going to set that up today to keep everything organized. It's helpful to know that 42 days is still within the normal range, even though I know those daily countdowns can feel endless. I really appreciate the tip about calling the local office around day 30 rather than the national line. Several people have mentioned that now and it seems like a much better approach. The mobile banking alerts are already set up thanks to another suggestion here! This whole thread has been such a lifeline during this difficult time. It's reassuring to know that with all my documentation submitted upfront, I'm hopefully on track for processing within that 4-6 week window. Thank you for taking the time to share such detailed and caring advice - this community support means more than you know.

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I'm so sorry for your loss, Cedric. I went through this exact process about 10 months ago when my husband passed away suddenly. My widow's benefits took 5 weeks and 3 days from application to first payment. A few things that really helped me during the waiting period: - I called SSA at exactly 7:59 AM and hit redial until I got through - much better success rate than calling later - Kept a simple calendar where I marked off each day and noted any SSA correspondence - Made sure to check both my online account AND my mail daily since they send updates through both channels The good news is that since your husband passed in January and you just applied, you should receive several months of retroactive benefits in that first payment, which will be much larger than your regular monthly amount. This helped me tremendously with immediate expenses. One thing nobody mentioned yet - if you haven't already, make sure SSA has your correct direct deposit information. Sometimes they default to the deceased spouse's account details, which obviously won't work. Double-check this when you call for your status update. The waiting is absolutely the hardest part when you're grieving AND worried about finances. But widow's benefits are generally processed faster than other types of claims. You're doing everything right by staying proactive. This community has been such a support - hang in there.

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Thank you so much for all this detailed advice, Clay! The tip about calling at exactly 7:59 AM and hitting redial is genius - I never would have thought of that timing strategy. I'm definitely going to try that tomorrow morning. The calendar marking idea is great too - it gives me a sense of progress and control during this uncertain time. You make an excellent point about double-checking my direct deposit information. When I applied, I specifically provided my own bank account details since my husband and I maintained separate accounts, but I should definitely confirm that's what they have on file when I call for a status update. It's really encouraging to know that the retroactive benefits from January should make that first payment substantially larger - that will definitely help with the immediate financial pressures I've been facing. Everyone in this thread has been so incredibly helpful and supportive. It means the world to connect with people who truly understand what this process is like. Thank you for taking the time to share your experience and such practical advice.

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I'm so sorry for your loss, Cedric. I went through this same process about 7 months ago when my husband passed away. My widow's benefits took exactly 38 days from application to first payment. What helped me most during the waiting period was creating a simple tracking system - I wrote down my application date, confirmation number, and set reminders to check my MySocialSecurity account every few days. The status changed to "approved" about 10 days before my first payment arrived, which gave me huge peace of mind. Since your husband passed in January and you just applied, you should definitely receive retroactive benefits back to that time. My first payment was almost 4 times larger than my regular monthly amount because of the back payments - it really helped cover the expenses that had piled up. One tip that made a difference: when I called SSA for a status update at the 30-day mark, I asked specifically about my "expedited processing request" even though I hadn't made one. The representative then noted my case for expedited review due to financial hardship. It might be worth mentioning if you call. The waiting is absolutely brutal when you're already dealing with so much grief and uncertainty. But based on everything you've shared, it sounds like you submitted a complete application with all required documents, which should help avoid delays. Most widow's benefit cases like yours process within 5-6 weeks. Hang in there - you should hear something very soon.

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Mei Liu

Thank you so much for sharing your timeline and all these helpful strategies, Isabella. The tracking system you described sounds perfect - I'm going to set that up today with my application date and confirmation number. It's really encouraging to know that the MySocialSecurity account might show "approved" status before the payment arrives - that would definitely help with the anxiety of not knowing what's happening behind the scenes. Your tip about mentioning "expedited processing request" when calling is brilliant - I never would have thought of that approach. Given my financial situation right now, it's definitely worth bringing up during my 30-day follow-up call. The information about your first payment being 4 times larger due to retroactive benefits is exactly what I needed to hear. The expenses have really been piling up since January, so knowing that relief might be coming soon helps me hang in there. It's amazing how much this community has helped me understand what to expect. Everyone's experiences seem to fall in that 5-6 week range when applications are complete upfront, which gives me realistic hope. Thank you for taking the time to share such detailed and caring advice during what I know is still a difficult time for all of us who've been through this.

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I'm so sorry for your loss, Cedric. I went through this exact process about a year ago when my wife passed away. My widow's benefits took 6 weeks and 2 days from application to first payment. A few things that really helped me during that difficult waiting period: - I kept a simple journal noting each interaction with SSA, including dates and reference numbers - Called the local SSA office directly rather than the national line - they were much more knowledgeable about my specific case - Set up text alerts on my bank account so I'd know immediately when deposits arrived Since your husband passed in January and you just applied, you should definitely be eligible for retroactive benefits going back to that time. My first payment was significantly larger because it included those back payments, which really helped with the accumulated expenses. The uncertainty during those weeks was probably the hardest part of an already incredibly difficult time. But from what you've shared about submitting all your documentation upfront, you've done everything right to avoid processing delays. Most complete widow's benefit applications process within 4-6 weeks. You should receive an award letter a few days before your first payment arrives. Once the benefits start, they're very reliable and will arrive on the same Wednesday each month based on your birth date. Hang in there - based on the timeline, you should hopefully hear something within the next couple of weeks. This community has been such a source of support during these challenging times. You're not alone in this process.

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I'm so sorry for your loss, Cedric. I went through this same process about 4 months ago when my husband passed away unexpectedly. My widow's benefits took exactly 5 weeks and 1 day from application to first payment. What helped me most during the waiting period was setting realistic expectations and having a plan for following up. Based on all the experiences shared here, it seems like 4-6 weeks is the typical range when you submit complete documentation upfront, which you did. A few additional tips that haven't been mentioned yet: - Keep copies of everything you submitted - if they need to verify anything, having your own copies makes it much faster - The SSA sometimes sends a "development letter" asking for additional information even when you've submitted everything. Don't panic if this happens - just respond promptly - Consider setting up a separate folder in your email for any SSA correspondence so nothing gets lost The retroactive benefits back to January should make your first payment quite substantial, which will hopefully provide some relief during this incredibly difficult time. Just remember that even though the process feels slow, widow's benefits are generally prioritized because SSA understands the urgent financial need. You're doing everything right by staying informed and proactive. The waiting is brutal when you're grieving and worried about finances, but you should hopefully hear something very soon. This community has been such a lifeline for so many of us going through similar situations. Sending you strength during this difficult time.

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