Social Security sent check after father's death - am I entitled to survivor benefits as blind SSDI recipient?
So I'm in a confusing situation with Social Security after my father passed away in March. I've been receiving SSDI for the past 8 years due to legal blindness, and my monthly payment is around $2,100. Both my parents are now deceased (mom passed in 2021). I'm married with two kids. Yesterday, I received a random SS check for $2,575 with my name listed as the 'OAO' and my dad's name marked as 'Deceased'. A letter arrived today stating the money was 'owed to the deceased beneficiary' - but that's me and I'm obviously still alive! I haven't cashed the check because I'm totally confused about whether I'm entitled to any survivor benefits given my current SSDI status. I don't want to cash something I'll have to repay later. I've called SSA four times but can't get through to anyone, just left messages. Has anyone dealt with survivor benefits when already on SSDI? Or know what this mysterious check might be for? I'm proceeding very cautiously here.
20 comments


Isabella Ferreira
This sounds like it could be a lump-sum death benefit payment, but the amount seems way too high for that (normal death benefit is only $255). It might be underpaid survivor benefits that your father was due but never received. When someone receiving SS dies, sometimes there are adjustments or payments that were processing when they passed. You should definitely NOT cash it yet until you get clarification from SSA. Since the letter says it was 'owed to the deceased beneficiary,' that suggests it might actually be money owed to your father, not to you. Have you checked your mySSA account online to see if there's any explanation there?
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Malik Johnson
•I checked my online account but there's nothing explaining this payment. The confusing part is that the check has MY name on it as the payee, not my dad's name. But the letter definitely refers to him as the deceased beneficiary. I'm wondering if I might be eligible for some survivor benefit on top of my SSDI? I think I read somewhere that you can get the higher of the two benefits, not both. This is so confusing!
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Ravi Sharma
if its made out to YOU then cash it lol. ssa doesnt make mistakes with checks usually. my aunt got something similar when her husban died and she just deposited it no problem
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Isabella Ferreira
•This is really bad advice. If SSA determines later that the payment was made in error, they WILL demand repayment, often with very little warning. They can also withhold future benefits to recoup overpayments. OP is right to proceed cautiously and get clarification first.
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NebulaNomad
I'm in a similar situation!!! My husband died last year and SSA kept sending his payments for THREE MONTHS after I reported his death. Then they sent me a notice saying I owed it all back immediately!!! It was TERRIFYING because I had already used some of it to pay for funeral expenses. Now they're taking $200 out of MY survivor benefits every month to pay it back. The SSA system is BROKEN and they will punish YOU for THEIR mistakes. DON'T CASH THAT CHECK until you get something in writing explaining exactly what it's for!!!
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Freya Thomsen
•Sorry about your husband. That sounds awful to deal with on top of losing him.
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Omar Fawaz
Let me clarify what might be happening here. When a Social Security beneficiary dies, adult disabled children can sometimes qualify for survivor benefits based on their parent's earnings record. Since you're receiving SSDI due to blindness that began before age 22 (I'm assuming), you may be eligible for what's called a "Childhood Disability Benefit" (CDB) or "Disabled Adult Child" (DAC) benefit based on your father's earnings record. The rules state that you would receive the higher of either your own SSDI benefit or the CDB amount (you don't get both). If your father's benefit amount would result in a higher payment than your current SSDI, SSA may have automatically switched you to that benefit and sent you the difference retroactive to his death. The letter's wording about "owed to the deceased beneficiary" is confusing though. I'd recommend: 1. Don't cash the check yet 2. Keep calling SSA for clarification 3. Request a detailed explanation in writing 4. Ask specifically about CDB/DAC benefits based on your father's record
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Malik Johnson
•This makes so much sense! My blindness started when I was 17, so that fits with what you're saying about disability before 22. My dad worked in engineering for 40+ years so his benefit was probably higher than mine. Thank you for explaining this so clearly. I'll definitely ask about the CDB/DAC benefits when I finally get through to someone at SSA.
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Chloe Martin
I had a similar issue trying to reach SSA about survivor benefits last year. After weeks of busy signals and disconnections, I used a service called Claimyr (claimyr.com) that got me connected to an agent within 20 minutes. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU. Saved me so much frustration! Once I got through, the agent was able to explain a confusing payment situation similar to yours - turned out I was eligible for a partial survivor benefit I didn't know about.
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Malik Johnson
•Thank you! I'll check this out. I've been trying to get through for days with no luck. I just want a clear explanation of what this money is for and whether I can safely deposit it.
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Diego Rojas
this is definitly a surviver benefit check. i got 1 when my wife died even though i was getting my own ss retirement. they give u whichever is more money basically. just call them and double check but thats what it sounds like to me
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Omar Fawaz
•You're right that survivor benefits work that way - you get the higher of your own benefit or the survivor benefit, not both. However, given the unusual wording on the letter and the lack of clear explanation, it's still best for OP to get official confirmation before cashing the check.
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Freya Thomsen
Just wanted to say I'm sorry about your dad passing away. Dealing with SS stuff on top of grief is really hard.
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Malik Johnson
•Thank you, that means a lot. It's definitely been a challenging time.
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NebulaNomad
Oh my god this just reminded me I need to call SSA about MY dad's survivor benefits too! He died in January and I still haven't heard ANYTHING. I've called like 20 times!!!!! This is so frustrating!!!
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Chloe Martin
•You might want to try the Claimyr service I mentioned above. It worked really well for getting through the phone system when I was dealing with my survivor benefits claim.
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Ravi Sharma
wait ur blind? how r u typing all this?? just curious
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Malik Johnson
•Legal blindness doesn't always mean total blindness. I use screen reading software plus high contrast settings. Some legally blind people can still see shapes, light, and even read with strong magnification. But I'm blind enough that I can't drive, can't read normal print, and qualify for SSDI.
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Isabella Ferreira
Have you received any update on this situation? Were you able to reach someone at SSA to explain the payment?
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Malik Johnson
•Finally got through yesterday! The agent confirmed what some of you suggested - it's a retroactive payment for the difference between my SSDI benefit and my dad's higher benefit rate (which I'm now receiving as a disabled adult child). The check is legitimate and I can deposit it. They're sending formal documentation explaining everything. Thanks everyone for your help and advice!
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