Social Security survivor benefits taking forever after disabled father died - are caretaker benefits possible?
My partner was receiving SSDI benefits before he passed away unexpectedly four months ago. We weren't married but have a 3-year-old daughter together. I applied for survivor benefits for our daughter right after the funeral, but there's been nothing but silence from SSA since then. The online status just says 'processing' and I can't get through on the phone at all. Our daughter was already receiving benefits as his dependent when he was alive, so I thought this would be straightforward. I'm struggling financially without that income. I also heard something about possible caretaker or mother's benefits for me as the surviving parent caring for our child? Does anyone know if that's real and if I qualify even though we weren't married? The funeral home said they reported his death to Social Security, but I'm worried something is wrong with the application.
20 comments
Kingston Bellamy
Yes, there are benefits called 'mother's or father's benefits' that you might qualify for as the caretaker of your child who is entitled to survivor benefits. However, there's an important detail here - since you weren't married to the child's father, you would NOT qualify for the mother's benefits yourself. But your daughter absolutely qualifies for survivor benefits as the child of a disabled worker who passed away. The survivor benefits for your daughter should be 75% of what your partner's full disability benefit was. The application processing is taking much longer these days - I've seen many cases taking 3-6 months, especially when they need to verify relationships. Have you submitted your daughter's birth certificate showing her father's name?
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Morita Montoya
•Thank you for explaining. Yes, I did submit her birth certificate with his name on it, plus his death certificate and her social security card. The claims representative took copies of everything. I'm disappointed about not qualifying for caretaker benefits myself, but at least her benefits should eventually come through. Do you know if they'll pay the back months once approved?
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Joy Olmedo
my cousin went through something like this last year and it took 5 MONTHS!!! its ridiculous how slow social security moves. they did eventually give all the back pay tho from the date of death so at least youll get that money eventually. hang in there
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Morita Montoya
•5 months?! That's insane but sadly makes me feel better that I'm not alone. Thanks for mentioning they did pay the backpay - that's a relief because I'm really struggling without that income.
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Isaiah Cross
I'm sorry for your loss and the financial strain you're experiencing. The processing times for survivor benefits are absolutely frustrating right now. One important thing - make sure Social Security knows your daughter was already receiving benefits as a dependent on her father's record. Sometimes they treat these as completely separate cases and don't connect the dots. This should be a simple continuation/conversion of benefits rather than starting from scratch. If you're having trouble reaching someone by phone, I recently used a service called Claimyr (claimyr.com) that got me through to a real SSA agent in about 20 minutes after I'd been trying for weeks. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU. It made a huge difference in resolving my late husband's benefits issues.
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Kiara Greene
•thanks for sharing this! the phone thing is IMPOSSIBLE lately. i keep getting disconnected after waiting for hours!
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Evelyn Kelly
Just to clarify a technical point - since you weren't married, you cannot receive mother's/father's benefits (sometimes called parent's benefits). These are only for surviving spouses or divorced spouses caring for the worker's child under 16. However, your daughter is 100% entitled to child's survivor benefits, which should be 75% of your partner's Primary Insurance Amount (PIA). If he was already receiving SSDI, the benefit calculation is straightforward. I would strongly recommend going to your local field office in person rather than waiting on the phone. Survivor cases should be prioritized, especially with a minor child involved. Bring multiple copies of all documentation and ask specifically for the status of the application and estimated processing time.
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Morita Montoya
•I tried going to the local office last month but the line was out the door and they said they were only taking people with appointments. I've been trying to get an appointment but the online system never has openings. Is there any way to expedite this based on financial hardship? My savings are almost gone.
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Paloma Clark
My sister wasnt married to her kids father either and when he died they STILL got benefits for the kids. Each kid got their own payment. But yeah she couldnt get anything for herself as the mom. The system is so frustrating but keep pushing!!!! The back pay will come eventually
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Morita Montoya
•Thank you for sharing this - it helps to hear from people who've been through similar situations. Did your sister's kids get their benefits within a reasonable timeframe?
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Heather Tyson
I work as a benefits counselor and deal with these cases often. Four months is unfortunately not unusual right now, though it's certainly difficult for families waiting on these critical benefits. One thing to check: call your local Social Security office and specifically ask if they need any additional documentation to prove paternity. Sometimes they require extra proof beyond the birth certificate if the parents weren't married. This could include things like: - Court order establishing paternity - DNA test results - Evidence he was living with or supporting the child - Acknowledgment of paternity signed by him Also, request a critical case designation due to financial hardship. They won't always grant it, but it's worth asking. When approved, your daughter will receive all back benefits from the date of death. I hope this helps!
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Morita Montoya
•This is really helpful information! He was listed on the birth certificate AND we lived together, so I have lots of proof. I'll definitely call about the critical case designation - we're getting desperate with bills piling up.
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Joy Olmedo
make sure u followup every week!!! they lose paperwork all the time its crazy!!!! my friends application got "lost" twice and she had to restart the whole thing!!!!
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Kiara Greene
•this happened to me too!! I had to submit the same documents three times and then they denied me saying I never sent the death certificate even though I DID! the whole system is broken
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Isaiah Cross
After seeing all these responses about the long wait times, I wanted to follow up about the Claimyr service I mentioned (claimyr.com). I was in a similar situation with my husband's death benefits case stalled for months, and I was getting desperate. The service got me through to an actual SSA representative who found that my application had been sitting in someone's queue for weeks with no action. Once I got through to a live person, they were able to expedite things and I received benefits within 2 weeks. Sometimes just getting to talk to the right person makes all the difference. Might be worth considering if you're hitting a wall with the regular channels.
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Morita Montoya
•I'm going to try this tomorrow. At this point I'll try anything because we're barely making it without those benefits. I've called over 20 times in the past month and either get disconnected or told the wait time is over 2 hours (which I can't do with a toddler). Thank you for the suggestion!
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Kingston Bellamy
One more thing - make sure to check if your daughter is eligible for any state benefits while you're waiting for the SSA survivor benefits to come through. Depending on your state, there might be temporary assistance programs available specifically for children who've lost a parent. Your local Department of Social Services or Human Services should be able to point you in the right direction.
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Morita Montoya
•That's a good idea I hadn't thought of. I'll look into what my state offers. We're in such a tough spot financially right now that every bit helps.
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Heather Tyson
Just to give you an expectation on payment amounts: if your partner was receiving $2,500 per month in SSDI, your daughter would be eligible for approximately $1,875 monthly (75% of his benefit). The good news is that once approved, they will pay all months due from the date of death forward as a lump sum, then continue with monthly payments. I also wanted to clarify something important - while you mentioned you were already receiving dependent benefits for your daughter while her father was alive, the survivor benefit amount is usually higher than the dependent benefit amount. So there's typically an increase in the monthly payment after the conversion to survivor benefits is complete.
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Morita Montoya
•Thank you for explaining this. His SSDI was about $1,950/month and she was getting around $975 as his dependent. So the survivor benefit would be around $1,460? That would make a huge difference for us.
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