Can I collect my deceased son's Social Security benefits?

You may receive survivors benefits when a family member dies. You and your family could be eligible for benefits based on the earnings of a worker who died. The deceased person must have worked long enough to qualify for benefits.


Who is entitled to a deceased person's Social Security?

A surviving spouse, surviving divorced spouse, unmarried child, or dependent parent may be eligible for monthly survivor benefits based on the deceased worker's earnings. In addition, a one-time lump sum death payment of $255 can be made to a qualifying spouse or child if they meet certain requirements.

Can children collect Social Security from a deceased parent?

Within a family, a child can receive up to half of the parent's full retirement or disability benefits. If a child receives survivors benefits, they can get up to 75% of the deceased parent's basic Social Security benefit.


Who is not eligible for Social Security survivor benefits?

If you remarry before age 60 (age 50 if you have a disability), you cannot receive benefits as a surviving spouse while you are married. If you remarry after age 60 (age 50 if you have a disability), you will continue to qualify for benefits on your deceased spouse's Social Security record.

How long does a child receive Social Security benefits from a deceased parent?

Benefits stop when your child reaches age 18 unless your child is a student or disabled. Within a family, a child can receive up to half of the parent's full retirement or disability benefit.


If Your Spouse Dies, Can You Collect Their Social Security Benefits?



How do I collect Social Security from a deceased parent?

You can apply for benefits by calling our national toll-free service at 1-800-772-1213 (TTY 1-800-325-0778) or by visiting your local Social Security office. An appointment is not required, but if you call ahead and schedule one, it may reduce the time you spend waiting to apply.

What is the average child survivor benefit for Social Security?

Child gets 75% of the worker's benefit amount. There's a limit to the benefits we can pay to you and other family members each month. The limit varies between 150% and 180% of the deceased worker's benefit amount.

Can you be denied survivor benefits?

If you are a minor convicted of intentionally causing your parent's death, you may be denied survivor benefits on the earnings record of your parent.


Does everyone get survivor benefits?

Only the widow, widower or child of a Social Security beneficiary can collect the $255 death benefit, also known as a lump-sum death payment. Priority goes to a surviving spouse if any of the following apply: The widow or widower was living with the deceased at the time of death.

Can parents collect survivor benefits?

Your spouse, children, and parents could be eligible for benefits based on your earnings. You may receive survivors benefits when a family member dies. You and your family could be eligible for benefits based on the earnings of a worker who died. The deceased person must have worked long enough to qualify for benefits.

What can children's survivor benefits be used for?

You can spend social security child survivor benefits a few different ways: Basic needs such as food, water, and housing. Medical costs including the child's portion of a deductible or insurance payment. Recreational activities, for example if the child is enrolled in sports.


What is the Social Security loophole?

The Voluntary Suspension Loophole

This Social Security loophole allowed a married worker to voluntarily suspend his/her own benefits after full retirement age, allowing the spouse to receive spousal benefits while the worker was not collecting benefits.

Who claims the death benefit?

If an estate exists, the executor named in the will or the administrator named by the Court to administer the estate applies for the death benefit. The executor should apply for the benefit within 60 days of the date of death.

How do I get the $16728 Social Security bonus?

Who is eligible for Social Security bonus? For every year that you delay claiming past full retirement age, your monthly benefits will get an 8% “bonus.” That amounts to a whopping 24% if you wait to file until age 70.


What are the rules for survivor benefits?

Monthly survivor benefits are available to certain family members, including:
  • A widow(er) age 60 or older (age 50 or older if they are disabled)
  • A widow(er) of any age who has not remarried and is caring for the deceased's child (or children) under age 16 or disabled.


What is the difference between survivor benefits and Social Security benefits?

Retirement benefits increase if you wait past full retirement age to file, but survivor benefits do not. They are based on the Social Security benefit your late spouse was entitled to when he or she died and will not go beyond 100 percent of that.

How do I apply for survivor benefits for my child?

You can apply for benefits by calling our national toll-free service at 1-800-772-1213 (TTY 1-800-325-0778) or by visiting your local Social Security office. An appointment is not required, but if you call ahead and schedule one, it may reduce the time you spend waiting to apply.


How long does it take to get approved for survivor benefits?

About 5 million widows and widowers currently qualify. It takes 30 to 60 days for survivors benefits payments to start after they are approved, according to the agency's website.

How much are monthly survivor benefits for a child?

Any child who qualifies for survivor benefits can receive up to 75% of their deceased parent's “basic” Social Security benefit.

How much is a survivor benefit check?

As previously noted, if you have reached full retirement age, you get 100 percent of the benefit your spouse was (or would have been) collecting. If you claim survivor benefits between age 60 and your full retirement age, you will receive between 71.5 percent and 99 percent of the deceased's benefit.


Can a child receive Social Security benefits if the deceased parent never worked?

Unfortunately, a child can't receive Social Security survivor benefits for a parent that didn't work. The parent must have worked at least 10 years to be eligible for full benefits, though partial benefits may be available for fewer years of work.

Can you get a lump sum for survivor benefits?

In most cases, you can get a lump-sum death payment if you were living in the same household when your spouse died. If you were living apart, you may still qualify for the lump sum death payment if, during the month they died, you met one of the conditions below: You were already getting benefits on their record.

What happens when a child's parent dies?

Under normal circumstances, the child's surviving biological parent is usually awarded custody of the child after the custodial parent's death. The most common exception to this is if the surviving parent is ruled to be unfit to be the child's guardian.


What happens to my deceased mother's Social Security?

Social Security will automatically change any monthly benefits received to survivors' benefits after it receives the report of death. The agency might be able to pay a Special Lump-Sum Death Payment automatically. One thing to keep in mind is that no social security benefits are due for the month of a person's death.