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Social Security still depositing benefits after sister's death - how long until they stop payments?

My sister passed away in June and we reported her death to Social Security back in July. It's now been several months, but I'm noticing they're STILL depositing monthly payments into her account! I thought they would stop this right away after being notified. I tried calling the SSA but was on hold forever and had to hang up before speaking to anyone. Does anyone know how long it normally takes them to process death notifications and stop payments? Should I be worried about this? I don't want there to be problems later with them demanding all this money back.

This is definitely concerning. Social Security should stop payments almost immediately after receiving a death report. Those funds will need to be returned to SSA. The payments made for the month of death and any after are not payable - they'll eventually ask for all that money back. Did you receive an official receipt or confirmation number when you reported her death? Without that, they might not have properly recorded it in their system.

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Oh no, I don't think we got any confirmation number! My brother-in-law just called and told them. Now I'm really worried. Will they charge interest or penalties if we can't pay it all back at once?

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went thru this when my dad died last year. they kept paying for like 3 months after! then we got a letter saying we owed everything back. funeral home was supposed to report it but guess they didnt. big mess.

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That's exactly what I'm afraid of! Did they give you any trouble about paying it back? Did they want it all at once?

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You need to take action immediately. Here's what to do: 1. DO NOT SPEND those funds - they will be reclaimed by SSA 2. Contact your local Social Security office again to verify they received the death report 3. Ask for a receipt number this time 4. If your sister was receiving direct deposit, contact her bank to inform them about the situation SSA's death reporting system should respond within 30-45 days maximum. The fact that payments continue after several months indicates the death report wasn't properly processed. Also, remember that benefits are paid in arrears - the June payment received in July was actually for May, so that one might be legitimate depending on her exact date of death.

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I'm going thru this exact nightmare right now with my mom's account. Been 2 months and they STILL haven't processed anything. The local office says they sent the info but main SSA says they have nothing. Meanwhile $1,875 sitting in her account that we can't touch and the bank won't help!!! So frustrating!!!

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I had the same problem when my husband passed last year. I reported his death immediately but they continued payments for 2 more months. The key is to DOCUMENT EVERYTHING. You need to call again and get a confirmation number for the death report. They will eventually send a notice of overpayment and you'll need to return all funds received after the month of death. They do offer payment plans if the full amount can't be returned at once, but interest may accrue depending on the circumstances. Don't spend any of that money!

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Thank you for sharing your experience. It's so frustrating that they make this harder during an already difficult time. I'm definitely not touching the money - it's just sitting there. I'll try calling again tomorrow.

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sorry bout ur sister passing. when my aunt died last year her husband just kept the money and never told SS. now hes in big trouble with them. dont do that!

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Have you tried using Claimyr to reach Social Security? I was in a similar situation and was getting nowhere after hours on hold. I found this service at claimyr.com that got me connected to a real SSA agent in about 20 minutes instead of waiting for hours. They have a video showing how it works here: https://youtu.be/Z-BRbJw3puU It was honestly worth it because I finally got a confirmation number for my mom's death report and they explained exactly what would happen with the overpayments. The agent even noted my account that I had been trying to report it for weeks.

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I've never heard of this service before. Does it really work? I'll check out that video because I'm desperate to talk to someone at this point.

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Yes, it definitely worked for me. The hold times with Social Security are absolutely ridiculous right now. The agent I finally spoke with told me they're extremely backlogged with death reports which is why some payments are continuing longer than they should.

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One more thing to consider - if your sister was receiving Social Security benefits, someone in the family might be eligible for a one-time death benefit of $255. It's not much, but it's something. Usually goes to the surviving spouse or dependent children. You should ask about this when you finally reach someone at SSA.

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that $255 is a joke! barely covers anything for a funeral these days. my dads casket alone was $3000

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The SSA is COMPLETELY OVERWHELMED right now!!! I worked 30+ years in benefits admin and I've never seen it this bad. Here's what happens: when someone dies, funeral homes are supposed to notify SSA through their electronic system. But then SSA has to match that to their records and manually stop payments. With staffing shortages, this can take MONTHS now instead of days. You MUST keep calling until you get confirmation that they've processed the death certificate and stopped payments. And DOCUMENT EVERYTHING!!

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Thank you everyone for the helpful advice. I'm going to try calling again tomorrow and will not give up until I get a confirmation number. I'll also make sure my brother-in-law knows not to touch any of those funds. I really appreciate all your experiences and suggestions during this difficult time.

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That's the right approach. One final suggestion - if possible, visit your local Social Security office in person. Sometimes that's more effective than calling, and you can get documentation on the spot. Bring your sister's death certificate and her Social Security number. Best of luck, and sorry for your loss.

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