Survivor Benefits after parent's death - call SS office or visit in person?
My father passed away last week and I'm trying to figure out what I need to do with Social Security. I'm completely overwhelmed right now with funeral arrangements and everything else. Does anyone know if I can handle survivor benefit matters by phone, or do I have to physically go to an SSA office? Also, what documents will I need to have ready? I've never dealt with this before and there are younger siblings who might be eligible for benefits too. Any guidance would be so appreciated.
17 comments


Lydia Santiago
I'm so sorry for your loss. You can actually start the process by calling the Social Security Administration at 1-800-772-1213, but you'll need to provide original documents eventually. You'll need your father's death certificate, Social Security numbers for him and any potential survivors, birth certificates for dependent children, marriage certificate if there's a surviving spouse, and recent tax returns or W-2s. If minor children are involved, they may qualify for survivor benefits until age 18 (or 19 if still in high school).
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Melissa Lin
•Thank you for this information. Do you know how long we should expect to wait after submitting everything? My mom is really worried about finances.
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Romeo Quest
When my mom died it was AWFUL dealing with SS!!! I tried calling for DAYS and couldn't get through to anyone. The website was confusing and when I finally got an appointment it was 3 weeks out!!! By then we were struggling to pay bills. They don't make it easy for grieving families AT ALL.
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Val Rossi
•I had a different experience. You can't apply for survivor benefits online, but you CAN call to schedule an appointment. They actually told me what documents to gather before the appointment which saved a lot of time. Just make sure you have death certificate (certified copy), SSNs for everyone, birth certificates for any minor children, and banking info for direct deposit.
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Eve Freeman
sorry about ur dad. my sister just went thru this. they wouldnt let her do it all by phone, had to go in for some stuff but she did start with the phone call
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Melissa Lin
•Thanks for sharing that. Did your sister have to bring anything specific for the in-person appointment?
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Clarissa Flair
When my husband passed, I called SSA to report the death, but my call kept getting disconnected after waiting forever. I finally used this service called Claimyr that got me through to an agent in about 20 minutes. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU and their website is claimyr.com. Saved me hours of frustration when I was already emotionally drained.
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Caden Turner
•That actually sounds pretty useful right now. Does it work for all SSA offices or just certain ones?
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Clarissa Flair
•It works for reaching the national SSA number. Once you get through to a representative, they can either help you directly or connect you with your local office if needed. Definitely better than dealing with constant busy signals when you're already stressed.
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McKenzie Shade
One important thing nobody mentioned - you need to report the death to Social Security as soon as possible. They don't automatically know when someone dies, and if benefit payments continue after death, they'll demand that money back later. Also, some funeral homes will report the death to SSA as part of their services, but don't assume they did it - always verify. For minor children to get survivor benefits, the application MUST be completed by their legal guardian or representative payee.
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Melissa Lin
•That's really good to know. Our funeral home didn't mention anything about notifying SS. I'll make that a priority this week.
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Caden Turner
I think theres a lump sum death payment too isnt there? Like $255 or something? Not much but every little bit helps when someone passes
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Lydia Santiago
•Yes, there is a one-time lump sum death payment of $255 that can be paid to a surviving spouse or to a child who's eligible for survivor benefits if there's no eligible surviving spouse. You're right that it's not much, but it is available.
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Melissa Lin
Thanks everyone for the helpful information. I managed to get through to SSA yesterday and have an appointment set up for next week. They're sending me a checklist of documents to bring. The representative also confirmed my younger siblings (16 and 14) will likely qualify for benefits until they graduate high school. This has been really helpful during such a difficult time.
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Lydia Santiago
•That's great to hear. One more tip - keep detailed notes of every conversation, including the date, time, and the name of who you spoke with. Sometimes information can get lost in the SSA system, and having your own record of what was discussed and promised can be invaluable if there are any issues later.
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Megan D'Acosta
I'm really sorry for your loss, Melissa. I went through this same process when my dad passed two years ago. One thing I wish I had known earlier - if your father was receiving Social Security benefits, those payments will stop automatically once SSA is notified of his death, so don't worry about that part. Also, for your younger siblings, the survivor benefits can be quite substantial - they're typically 75% of your father's benefit amount each, which can really help your family financially. Make sure to ask about back-dating the benefits to the month of death when you go to your appointment. The whole process took about 6 weeks for us from application to first payment. Hang in there!
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Daniel White
•This is really valuable information about the back-dating and the 75% benefit amount. I hadn't thought about asking for back-dating to the month of death - that could make a real difference for our family. Six weeks feels manageable knowing there's light at the end of the tunnel. Thank you for sharing your experience during what I'm sure was also a difficult time for you.
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