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Melissa Lin

Social Security survivor benefits delay - can ex-wife block payments to other children?

My son's father passed away in January 2023, and I'm at my wits' end trying to get his Social Security survivor benefits started. The situation is complicated - his dad had 3 children with 2 different women (including me), plus he had remarried and had a new child with his current wife. I applied for survivor benefits for my son back in February, but 4 months later we still haven't received a single payment. The SSA office keeps telling me 'it's processing' but I've heard through family that his current wife keeps rescheduling her appointment with Social Security. Can she really hold up payments for ALL the children? Does each mother need to apply separately? I don't understand how Social Security can withhold benefits that my son is legally entitled to just because his stepmom hasn't completed her application. Anyone dealt with this multi-family survivor benefits situation before? I'm desperate - we really need this income.

I went through something similar last year. The issue isn't that the wife is blocking payments, but that SSA has to determine the "family maximum" benefit which is shared between all eligible survivors. They can't finalize any payments until they know exactly how many qualified children there are, plus any spouse benefit. It's frustrating but normal. Have you tried using Claimyr to reach an actual SSA agent? I was stuck in the same situation for months until I used claimyr.com to get through to someone who could actually help. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU - saved me hours of hold time and I finally got clear answers about why my kid's benefits were delayed.

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Melissa Lin

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Thank you for explaining about the family maximum! No one at SSA mentioned that to me. I'm going to try that Claimyr service tomorrow - at this point I'll try anything to get some real answers. It feels like I've been getting the runaround for months.

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Romeo Quest

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This is unfortunately a common situation with survivor benefits when multiple families are involved. The SSA has to determine several things: 1) Each child's eligibility, 2) The widow's eligibility if she's caring for a child under 16, 3) The total family maximum benefit, and 4) How to properly allocate those benefits among all eligible survivors. Each parent/guardian must file separately for their children, but the benefits are calculated together. The family maximum is typically 150-180% of the deceased worker's benefit amount, divided among all eligible recipients. What often causes delays is verification of relationships, especially when children have different last names than the deceased parent. Make sure you've provided birth certificates showing parentage and death certificate for the father.

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Val Rossi

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Ugh my sister went through this nightmare when her ex died. Took like 6 months to sort out!!! SS is SO SLOW with everything 🙄

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Eve Freeman

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Wait I thought each kid would get their own payment? My neighbor gets survivor benefits for her daughter and nobody else's benefit amount affects hers.

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Romeo Quest

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Not exactly. Each eligible child can receive up to 75% of the deceased parent's benefit amount, but there's a family maximum that applies when there are multiple beneficiaries. If there are several eligible children (and possibly a surviving spouse), the total cannot exceed the family maximum, which is typically 150-180% of the worker's benefit. When the total would exceed that maximum, each person's benefit is proportionally reduced.

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SSA IS THE WORST!!! I've been fighting with them for 2 YEARS over my kids' survivor benefits. One rep tells you one thing, the next tells you something completely different. They lost our paperwork TWICE and I had to resubmit everything. The current wife probably IS holding things up - my ex's new girlfriend claimed she was common-law married (she WASN'T) and that delayed everyone's payments by 8 months while they "investigated" her bogus claim!!! You need to DEMAND to speak to a supervisor and keep calling EVERY SINGLE DAY until they fix it!!!

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Melissa Lin

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Oh no, that sounds awful! I really hope our case doesn't take 2 years. I've been calling weekly but maybe I do need to be more aggressive. Did you ever get it resolved?

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Caden Turner

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Have you gone into your local field office in person? When my husband died 3 years ago, I had much better luck getting answers face-to-face than over the phone. Bring all your documentation - your son's birth certificate, father's death certificate, proof of paternity if the father's name is on the birth certificate, your ID, and your son's social security card. The benefits should be backdated to when you first applied, so even though it's frustrating now, your son won't lose any money he's entitled to. The wife can't block payments forever, but SSA does need to determine all eligible beneficiaries before distributing funds because of the family maximum rules.

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Melissa Lin

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I've tried going in person twice, but our local office is still appointment-only and the earliest they could schedule me was for next month. It's good to know about the backdating though - that's a relief. I've been worried we'd lose months of benefits.

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sounds like u just gotta wait unfortunately... my cousins kid had similar issue, ended up taking almost 9 months but they did get all the back pay eventually. the wife prob has like 60 days or something to apply before they move on without her maybe? not sure tbh

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Melissa Lin

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9 months?? That's so long! We're really struggling without this income. I hope it doesn't take that long for us.

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Romeo Quest

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I want to clarify something important: While the SSA does need to determine all eligible children for the family maximum calculation, they should not indefinitely delay all payments if one party is non-responsive. If the current wife is continuously rescheduling, after a reasonable time period (usually 3-6 months), the SSA should proceed with provisional payments based on the known beneficiaries, then adjust later if needed. Ask specifically about "provisional benefits" or "initial determination" when you call. Also request to speak with the Claims Specialist handling your case, not just the general phone representatives. The fact that you've waited 4 months with no payment is concerning and warrants escalation.

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Melissa Lin

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Thank you for this information! No one has mentioned provisional benefits to me before. I'll definitely ask about this specifically when I call tomorrow. Just knowing the right terms to use should help!

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Val Rossi

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My friend works for SS (not giving advice just sharing what I know) - definitely call the main number not your local office. The national line has access to more info. And keep calling until you get someone helpful cuz some reps are way better than others honestly

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Eve Freeman

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This is so true! I called SS four times about my retirement and got four completely different answers until finally someone actually knew what they were talking about!

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Just checking back - were you able to get through to someone who could help? The situation with multiple families definitely complicates things, but 4 months is still excessive for not even having an update.

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Melissa Lin

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Yes! I used that Claimyr service you recommended and actually got through to a claims specialist after only 20 minutes instead of the usual 2+ hour wait. They confirmed they're waiting on the current wife's paperwork, but the specialist submitted a request for provisional payments for my son since it's been over 120 days. They said we should receive the first payment (including backpay) within 2-3 weeks! Thank you so much for your help!

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