🕯️ How to Apply for Social Security Survivor Benefits
Claim survivors benefits after the death of a family member.
💰
Free to apply
⏱️
Applications processed over weeks to a few months; back pay may apply
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📋 Documents you'll need
- Proof of death (funeral home notice or death certificate)
- Your Social Security number and the deceased's
- Birth certificate or other proof of age
- Marriage certificate (for a surviving spouse)
- Divorce decrees if claiming as a divorced spouse
- Deceased's most recent W-2 or tax return
- Bank information for direct deposit
🪜 Step-by-step
- Report the death to Social Security at 1-800-772-1213 if the funeral home has not already done so.
- Check which survivors may qualify: spouse, divorced spouse, children, or dependent parents.
- Gather proof of death, relationship, and age documents.
- File the application by phone or at a local office (survivor benefits usually cannot be completed online).
- Supply any documents SSA requests and confirm direct deposit details.
- Retroactive benefits may be paid back to the date of the report, so notify SSA promptly.
| Estimated cost | Free to apply |
|---|---|
| Typical timeline | Applications processed over weeks to a few months; back pay may apply |
Note This guide is general information and procedures, fees, and rules can change and vary by state or agency. The official authority is always the relevant government office and its official website. See our Disclaimer.
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Frequently asked questions
Can I work and still receive survivor benefits?
Yes, but earnings above an annual limit may temporarily reduce benefits before full retirement age.
Do survivors get a one-time death payment?
A surviving spouse or child may qualify for a one-time $255 lump-sum death payment if eligible.
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