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Social Security check after death - will SS reclaim October payment and still send November benefit?

My mother passed away on November 11th and I'm trying to figure out what happens with her Social Security payments. We share a joint bank account where her SS benefits are deposited on the 23rd of each month. I'm confused about two things: 1) Will Social Security take back her October payment since she died in November? 2) Will her final November payment still come on the 23rd even though she passed away on the 11th? Has anyone dealt with this situation before? The local SSA office has a 3-week wait for appointments and I'm getting conflicting info online. Thanks for any help.

Ben Cooper

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I'm sorry for your loss. Unfortunately, Social Security benefits are not payable for the month of death, regardless of what day in the month the person dies. So no, there won't be a November payment on the 23rd. As for October's payment, that should remain since she was alive for all of October - they won't take that back. You should report her death to SSA as soon as possible though, as continuing to receive benefits after death can create problems.

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Khalid Howes

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Thank you for the clear answer. So she won't get November's check since she died during November, but October's payment is secure. That helps a lot. Do you know the best way to report her death? Should I wait for the appointment or is there a faster way?

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Naila Gordon

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sry about ur mom. when my grandpa died last year they took back his last check! it was a whole mess and they even charged the bank an overdraft fee which was SO not fair. make sure u tell the bank what happened!

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Khalid Howes

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Wait, they took back his last check? Was that for the month he died in or the month before? I'm worried they'll take back October's money which we already used for some of her final expenses.

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Cynthia Love

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What the first responder said is correct. Social Security benefits are paid in arrears - meaning the payment received on October 23rd was for September, and the payment she would have received on November 23rd would have been for October. Since she was alive all of October, that payment (which would arrive Nov 23) is still payable to her estate. There will be no payment for November since she passed during that month. You need to contact SSA immediately to report her death. This isn't something you should wait on. If they deposit money they shouldn't have, they will take it back and that can cause problems with your account.

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Khalid Howes

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Oh wait, so the October 23rd deposit was actually for September, and the November 23rd deposit would be for October? That makes more sense. So we should still receive one more payment on November 23rd, which is for October when she was still alive the whole month. Is that right?

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Darren Brooks

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When my dad died we got NOTHING for his month of death even though he died on the 29th! Social Security doesn't pay partial months, it's ridiculous that they can keep a whole month's worth when someone dies at the end!!!!

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Rosie Harper

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Yep thats how it works. SS is paid for living through the whole month. So unfair when someone dies on the last day and they keep the whole check!!

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Cynthia Love

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To clarify for everyone - Social Security benefits are paid in the month FOLLOWING the month for which they are due. So: - Payment received on October 23rd was for September - Payment that would come on November 23rd would be for October - Payment that would come on December 23rd would be for November Since the person was alive all of October, the payment for October (which arrives in November) should still be paid. But since she died in November, there will be no payment for November (which would normally arrive in December). This is why it's critical to report the death promptly - to prevent incorrect payments that will later be reclaimed.

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Just to add, call SSA right away at 1-800-772-1213 to report the death. You'll need her Social Security number and death certificate (or at least the funeral home info if you don't have the certificate yet). Don't wait for an appointment - this needs to be reported immediately.

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Demi Hall

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I've tried calling the SSA death reporting line over 50 times when my aunt passed away last month! Keep getting disconnected or waiting for hours. Finally had to take a day off work and go to the office in person. The system is broken!

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Ben Cooper

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Yes, most funeral homes will report the death to Social Security as part of their services. However, you should still follow up with SSA directly to ensure everything is handled correctly with her benefits. The funeral home reporting just starts the process, but doesn't take care of all the details regarding her benefits and final payments. To summarize what others have said correctly: 1. The payment received October 23rd was for September 2. The payment that would come November 23rd is for October (she should get this) 3. There will be no payment for November since she wasn't alive the entire month Also, be prepared that if you're handling her estate, you may be eligible for a one-time death benefit of $255 if you were her spouse or dependent child, but this has to be applied for separately.

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Khalid Howes

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Thanks everyone for clearing this up. I'll double-check with the funeral home to see if they reported her death already, and then follow up with SSA directly. I appreciate all the help during this difficult time.

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Naila Gordon

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hey dont 4get to ask about the death benefit! i think its like $255 or something. not much but its something!

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Cynthia Love

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The $255 death benefit is only payable to a surviving spouse who was living with the deceased or to dependent children. It's not payable to adult children handling a parent's estate unless they were dependents.

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