---
title: Social Security after death and survivor estimate | Plan Before You Die
url: https://planbeforeyoudie.app/tools/social-security-after-a-death
source: Plan Before You Die
---

# Social Security after a death

Social Security handles death reports, the $255 payment and monthly survivor benefits through different processes. Review the reporting steps and published rules below. Any estimate uses a confirmed benefit basis, and Social Security decides the payment.

- Free. No account needed
- Official Social Security sources

## Which Social Security steps could apply?

Your answers

Your relationship to the person who died
- Choose an answer
- Spouse
- Divorced spouse
- Child
- Dependent parent

Was the person receiving Social Security or SSI?
- Choose an answer
- Yes
- No
- Not sure

The result keeps Social Security and Supplemental Security Income (SSI) payment rules separate.

Date of death

Use an actual date. The calendar offers a voluntary review checkpoint, not a final filing deadline.

Your age in completed years

Enter the age of the survivor whose benefits you are reviewing.

Has SSA confirmed covered work for this survivor benefit?
- Choose an answer
- Yes
- No
- Not sure

Ask about this survivor benefit. A payment history alone does not confirm the needed work record.

Are you entitled to your own Social Security retirement or disability benefit?
- Choose an answer
- Yes
- No
- Not sure

Include awarded benefits that are withheld or suspended. SSA decides how benefits from different records interact.

Completed marriage months immediately before death or final divorce

Use the marriage immediately before the death or final divorce. Do not add unrelated marriages. Ask SSA about interrupted histories.

Has SSA confirmed the applicable marriage history requirement?
- Choose an answer
- Yes
- No
- Not sure

For a divorced spouse, confirm the ten-year definition. The spouse nine-month waiver does not replace that definition.

Have you remarried?
- Choose an answer
- Yes
- No
- Not sure

Your age when you remarried

Has SSA confirmed every applicable disability and entitlement requirement?
- Choose an answer
- Yes
- No
- Not sure

Include onset and waiting rules. For remarriage, include required disability and benefit entitlement at that remarriage. No diagnosis is requested.

Has SSA confirmed every applicable caregiver requirement?
- Choose an answer
- Yes
- No
- Not sure

Include child entitlement, age or disability, care, relationship and other-benefit conditions. A divorced caregiver needs their own natural or adopted child.

Is the child unmarried?
- Choose an answer
- Yes
- No
- Not sure

Which school status applies to the child?
- Choose an answer
- Full-time elementary or secondary school
- College
- Not attending school
- Not sure

Has SSA confirmed the parent's support and proof requirements?
- Choose an answer
- Yes
- No
- Not sure

Include support at the qualifying time and timely proof or an SSA-approved extension.

Did the spouse live in the same household at death?
- Choose an answer
- Yes
- No
- Not sure

Has SSA confirmed entitlement on the worker's record for the month of death?
- Choose an answer
- Yes
- No
- Not sure

For the separate lump-sum payment. Choose Not sure if SSA has not confirmed it.

Is there an eligible surviving spouse for the lump-sum payment?
- Choose an answer
- Yes
- No
- Not sure

For a child reviewing the separate lump-sum payment.

Optional estimate. What amount does the SSA letter identify?
- Choose an answer
- Skip the dollar estimate
- Primary insurance amount, confirmed by SSA
- Another survivor calculation base confirmed by SSA
- Deposited or net monthly payment
- Not sure

No letter upload is needed. A deposited payment alone does not establish the calculation base.

Confirmed monthly calculation base in U.S. dollars

Optional. Enter dollars and at most two decimal places, without commas or a currency sign. The tool entry limit is $1,000,000 monthly. This is not a benefit limit. Do not enter a name, claim number or bank details.

Has SSA confirmed this is the applicable survivor base without worker adjustments?
- Choose an answer
- Yes
- No
- Not sure

Early or delayed retirement and special base calculations can change the amount. Choose Not sure if SSA has not confirmed the base.

Has SSA confirmed no family maximum or other reduction affects this illustration?
- Choose an answer
- Yes
- No
- Not sure

Choose Not sure if the calculation has not been confirmed.

## Which rules does this tool use?

| Rule or relationship | Published rule | Conditions and limits | Official source |
|---|---|---|---|
| Possible surviving-spouse benefit | A surviving spouse may qualify if SSA confirms every relationship, marriage, remarriage and insured-status condition. | The worker must have died fully insured, and SSA must confirm the relationship and entitlement. The marriage generally lasted nine months immediately before death. Natural parenthood or qualifying adoptions during marriage can satisfy an alternative. Certain accidental deaths, active-duty deaths, or prior nine-month marriages to the same worker can waive the duration rule. Those three waivers require that the worker was reasonably expected to live nine months when the marriage began. Another exception concerns a prior spouse who remained institutionalized, a legal bar to divorce, and remarriage within 60 days after that spouse died. Certain prior Social Security or Railroad Retirement entitlements can also satisfy an alternative. SSA must assess the complete exception. An application is generally needed, with conversion exceptions. Other retirement benefits can affect entitlement or payment. A remarriage after reaching age 60 can be disregarded. For a remarriage at ages 50 through 59, the disability rules must have been met before the remarriage. If now age 60 or older, the regulation also requires disabled-widow entitlement at that earlier remarriage. A later marriage that ended may permit renewed entitlement. Unknown history requires SSA review. Ask SSA to confirm the disability and entitlement requirements at the time of remarriage. | [Social Security Administration](https://www.ssa.gov/survivor/eligibility); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0335.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0406.html); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0407.html) |
| Possible surviving-divorced-spouse benefit | A former spouse may qualify under the surviving-divorced-spouse rules. | The marriage generally lasted ten years immediately before the divorce became final. A qualifying divorce and remarriage to the same worker can preserve the definition under SSA rules. A short-marriage confirmation must mean SSA confirmed this ten-year definition, not merely a spouse nine-month waiver. The worker must have died fully insured. SSA must confirm the relationship, remarriage history, application and other-benefit conditions. A remarriage after reaching age 60 can be disregarded. For a remarriage at ages 50 through 59, the disability rules must have been met before the remarriage. If now age 60 or older, the regulation also requires disabled-widow entitlement at that earlier remarriage. A later marriage that ended may permit renewed entitlement. Unknown history requires SSA review. Ask SSA to confirm the disability and entitlement requirements at the time of remarriage. | [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0403.html); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0335.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0406.html); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0407.html) |
| Possible disabled-survivor benefit | SSA may find a disabled-survivor route beginning at age 50. | SSA must find a qualifying disability. It must have begun no later than seven years after the latest applicable death or prior-benefit event. The possible later events include the end of caregiver entitlement or a prior disabled-widow entitlement. A five-full-month waiting period generally applies. Prior disabled-widow entitlement and specified SSI or state-payment circumstances can change that waiting requirement. SSA must confirm timing, waiting and all non-disability conditions. No diagnosis is requested here. The worker must have died fully insured, and SSA must confirm the relationship and entitlement. The marriage generally lasted nine months immediately before death. Natural parenthood or qualifying adoptions during marriage can satisfy an alternative. Certain accidental deaths, active-duty deaths, or prior nine-month marriages to the same worker can waive the duration rule. Those three waivers require that the worker was reasonably expected to live nine months when the marriage began. Another exception concerns a prior spouse who remained institutionalized, a legal bar to divorce, and remarriage within 60 days after that spouse died. Certain prior Social Security or Railroad Retirement entitlements can also satisfy an alternative. SSA must assess the complete exception. An application is generally needed, with conversion exceptions. Other retirement benefits can affect entitlement or payment. A remarriage after reaching age 60 can be disregarded. For a remarriage at ages 50 through 59, the disability rules must have been met before the remarriage. If now age 60 or older, the regulation also requires disabled-widow entitlement at that earlier remarriage. A later marriage that ended may permit renewed entitlement. Unknown history requires SSA review. Ask SSA to confirm the disability and entitlement requirements at the time of remarriage. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0335.htm) |
| Possible disabled-survivor benefit | SSA may find a disabled-survivor route beginning at age 50. | SSA must find a qualifying disability. It must have begun no later than seven years after the latest applicable death or prior-benefit event. The possible later events include the end of caregiver entitlement or a prior disabled-widow entitlement. A five-full-month waiting period generally applies. Prior disabled-widow entitlement and specified SSI or state-payment circumstances can change that waiting requirement. SSA must confirm timing, waiting and all non-disability conditions. No diagnosis is requested here. The marriage generally lasted ten years immediately before the divorce became final. A qualifying divorce and remarriage to the same worker can preserve the definition under SSA rules. A short-marriage confirmation must mean SSA confirmed this ten-year definition, not merely a spouse nine-month waiver. The worker must have died fully insured. SSA must confirm the relationship, remarriage history, application and other-benefit conditions. A remarriage after reaching age 60 can be disregarded. For a remarriage at ages 50 through 59, the disability rules must have been met before the remarriage. If now age 60 or older, the regulation also requires disabled-widow entitlement at that earlier remarriage. A later marriage that ended may permit renewed entitlement. Unknown history requires SSA review. Ask SSA to confirm the disability and entitlement requirements at the time of remarriage. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0335.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0403.html) |
| Possible caregiver benefit | A qualifying caregiver may have a monthly route without the ordinary survivor minimum age. | The worker must have died fully or currently insured. The caregiver must have in care an entitled child under 16 or a qualifying disabled child. SSA must confirm what in care means and the relationship requirements. The caregiver generally must be unmarried, not entitled to widow benefits, and not have an equal or larger own retirement benefit. Other-benefit amounts can require SSA review. Ongoing caregiver benefits generally end upon remarriage, with a specified exception for marrying another Social Security beneficiary. Ask SSA to confirm every caregiver requirement, including child entitlement and care. SSA must confirm the qualifying caregiver relationship and entitlement. The marriage generally lasted nine months immediately before death. Natural parenthood or qualifying adoptions during marriage can satisfy an alternative. Certain accidental deaths, active-duty deaths, or prior nine-month marriages to the same worker can waive the duration rule. Those three waivers require that the worker was reasonably expected to live nine months when the marriage began. Another exception concerns a prior spouse who remained institutionalized, a legal bar to divorce, and remarriage within 60 days after that spouse died. Certain prior Social Security or Railroad Retirement entitlements can also satisfy an alternative. SSA must assess the complete exception. An application is generally needed, with conversion exceptions. Other retirement benefits can affect entitlement or payment. | [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0415.html); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0416.html); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0341.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0335.htm) |
| Possible caregiver benefit | A qualifying caregiver may have a monthly route without the ordinary survivor minimum age. | The worker must have died fully or currently insured. The caregiver must have in care an entitled child under 16 or a qualifying disabled child. SSA must confirm what in care means and the relationship requirements. The caregiver generally must be unmarried, not entitled to widow benefits, and not have an equal or larger own retirement benefit. Other-benefit amounts can require SSA review. Ongoing caregiver benefits generally end upon remarriage, with a specified exception for marrying another Social Security beneficiary. Ask SSA to confirm every caregiver requirement, including child entitlement and care. A divorced caregiver must have a final divorce and the worker child must be their natural or legally adopted child. This distinct route does not impose the ordinary ten-year marriage condition. SSA must confirm the complete relationship requirements. | [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0415.html); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0416.html); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0341.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0335.htm) |
| Possible minor-child benefit | An unmarried minor may qualify if SSA confirms relationship, dependency and insured status. | The worker-parent must have died fully or currently insured. SSA must confirm a qualifying child relationship and the applicable dependency test. The child generally must be unmarried. An application is generally required, except for specified conversions from an existing child benefit. Some married children and some stepchildren, adopted children, grandchildren or stepgrandchildren have special rules. Ask SSA to review uncertain history and any exceptions. | [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0410.html); [Social Security Administration](https://www.ssa.gov/survivor/eligibility) |
| Possible full-time school benefit | An unmarried 18-year-old in full-time elementary or secondary school may qualify. | The worker-parent must have died fully or currently insured. SSA must confirm a qualifying child relationship and the applicable dependency test. The child generally must be unmarried. An application is generally required, except for specified conversions from an existing child benefit. Some married children and some stepchildren, adopted children, grandchildren or stepgrandchildren have special rules. Ask SSA to review uncertain history and any exceptions. The ordinary student route requires full-time elementary or secondary school and age under 19. College attendance alone does not establish this route. At age 19, continued student benefits require a separate SSA decision. If full-time attendance continues and diploma requirements are unfinished, the extension ends at the earliest applicable event. Those events include completing the course, the second month after the nineteenth-birthday month for a yearly school, or the current quarter or semester ending under the reenrollment rule. Whole age does not resolve those dates. Disability can provide a separate route. | [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0410.html); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0414.html); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.03/handbook-0342.html) |
| Possible adult-child disability benefit | An adult child may qualify if SSA confirms disability began before age 22 and all other requirements. | The worker-parent must have died fully or currently insured. SSA must confirm a qualifying child relationship and the applicable dependency test. The child generally must be unmarried. An application is generally required, except for specified conversions from an existing child benefit. Some married children and some stepchildren, adopted children, grandchildren or stepgrandchildren have special rules. Ask SSA to review uncertain history and any exceptions. SSA must confirm the applicable disability definition and onset before the twenty-second birthday. No medical diagnosis is collected. | [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0410.html); [Social Security Administration](https://www.ssa.gov/survivor/eligibility) |
| Possible dependent-parent benefit | A dependent parent may qualify if all support, relationship and evidence requirements are met. | The worker must have died fully insured. The parent must be at least 62 and have a qualifying parent relationship. The parent must have received at least half of their support from the worker at death or the qualifying disability-period starting point. SSA must receive proof within the applicable two-year period, even if the parent is not yet old enough for benefits. Good cause and specified military relief can extend that evidence period. The parent must not have married since the worker died. An application is required. An equal or larger own retirement benefit prevents entitlement under the stated rule. Other benefits and family maximum can reduce the payment. Unknown remarriage or support history requires SSA review. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0370.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0424.html); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0425.html) |
| Possible household-spouse payment | A qualifying spouse living in the same household has first priority for the one-time payment. | Social Security must confirm the marriage, insured status and household rules. The monthly benefit marriage-length rule does not apply to this household-spouse lump-sum route. Certain temporary or medical separations can count as the same household. Application and timing exceptions may apply. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0390.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0391.htm); [Social Security Administration](https://secure.ssa.gov/poms.nsf/lnx/0300210001); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0347.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0621.htm) |
| Possible eligible-spouse payment | A spouse eligible for specified monthly benefits in the month of death may qualify without sharing the same household. | Social Security must resolve any higher-priority household spouse and all monthly-benefit conditions. Temporary or medical separation may still count as the same household. A surviving divorced spouse cannot receive this payment merely through divorced-spouse eligibility. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0392.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0347.htm); [Social Security Administration](https://secure.ssa.gov/poms.nsf/lnx/0300210001) |
| Possible child share | Eligible children may share the one-time payment equally when no higher-priority spouse qualifies. | Each child must meet the applicable monthly-benefit eligibility conditions in the month of death. The payment is one total amount, not a separate full payment for every child. Social Security decides entitlement and priority. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0390.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0392.htm) |
| Confirm the death report | Funeral homes generally report deaths. Call Social Security if the funeral home did not report it. | Social Security asks for identifying information when you call. Provide that information only to Social Security, never in this tool. The published phone number is 800-772-1213, with TTY 800-325-0778. Most U.S. time zones have weekday support from 8 a.m. to 7 p.m. | [Social Security Administration](https://www.ssa.gov/personal-record/when-someone-dies) |
| Ask about the final Social Security payment | Social Security generally pays for the previous month. The beneficiary's month of death normally does not qualify for a payment. | A deposit arriving during the month of death may pay for an earlier month. Ask Social Security which month the payment covers. Special early-delivery recovery rules and underpayments require review. The tool does not decide whether a particular payment must be returned. | [Social Security Administration](https://www.ssa.gov/payee/NewGuide/toc.htm?tl=0%2C3); [Social Security Administration](https://secure.ssa.gov/poms.NSF/lnx/0202408615); [Social Security Administration](https://secure.ssa.gov/POMS.nsf/lnx/0202408650) |
| Keep SSI separate | SSI usually covers the current month, including the month of death. Payments for later months must be returned. | SSI and Social Security use different payment-month rules. Ask Social Security which benefit and month each payment covers. | [Social Security Administration](https://www.ssa.gov/payee/NewGuide/toc.htm?tl=0%2C3); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/416/416-1334.htm) |
| Tell the bank and ask about checks | Tell the bank about the death promptly. Ask Social Security before cashing a final benefit check. | A bank returns deposits arriving after it learns of the death so Social Security can determine whether payment was due. Social Security can review a returned payment that the person was owed. Do not enter bank information here. | [Social Security Administration](https://secure.ssa.gov/apps10/poms.Nsf/lnx/0202602050); [Social Security Administration](https://secure.ssa.gov/POMS.nsf/lnx/0202408650) |
| Contact Social Security about monthly benefits | Social Security takes monthly survivor applications by phone or at an appointment. The monthly application is not available online. | Social Security can arrange an appointment by phone or in person. If you already receive Family benefits, the benefit type and amount generally update automatically. Ask Social Security whether it needs an application or more information. | [Social Security Administration](https://www.ssa.gov/news/en/mip/2026-07-01-d.html); [Social Security Administration](https://www.ssa.gov/apply?benefits=survivor_adult&age=adult) |
| Ask about the one-time payment | The one-time payment has a separate application. Social Security offers an online application and phone support. | The online application requires signing in on Social Security's site. A spouse already entitled to spouse benefits on the worker's record in the prior month may not need another application. Contact Social Security to confirm the process. | [Social Security Administration](https://www.ssa.gov/personal-record/when-someone-dies/lump-sum-death-payment); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0391.htm) |
| Ask about the family maximum | A family maximum can reduce payments on one worker's record. | SSA confirms the family's actual limit. Published summary and technical ranges use different bases. Neither establishes this family's cap. Some divorced-spouse benefits have a separate exception. SSA needs to identify the benefit type before applying it. | [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.07/handbook-0731.html); [Social Security Administration](https://www.ssa.gov/policy/about/oasdi-reference.html); [Social Security Administration](https://www.ssa.gov/pubs/EN-05-10084.pdf) |
| Ask how benefits work together | Survivor and other Social Security benefits are not two full payments added together. | SSA reviews benefits from different records and decides the total payment. It may pay an own benefit plus a difference. This tool does not calculate that coordination. | [Social Security Administration](https://www.ssa.gov/news/en/mip/2026-07-01-d.html); [Social Security Administration](https://www.ssa.gov/survivor/amount); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0407.html) |
| Age 60 and older, before survivor full retirement age | Published overall spouse range starts at 71.5 percent. | The exact percentage depends on the benefit-start month and survivor full retirement age. This is not a personalized rate or a claiming recommendation. | [Social Security Administration](https://www.ssa.gov/survivor/amount); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.07/handbook-0724.html) |
| Age 61 | SSA example is over 75 percent. | A published general example, not an individualized amount. No monthly interpolation is calculated. | [Social Security Administration](https://www.ssa.gov/survivor/amount) |
| Age 63 | SSA example is over 80 percent. | A published general example, not an individualized amount. No monthly interpolation is calculated. | [Social Security Administration](https://www.ssa.gov/survivor/amount) |
| Age 65 | SSA example is over 90 percent. | A published general example, not an individualized amount. No monthly interpolation is calculated. | [Social Security Administration](https://www.ssa.gov/survivor/amount) |
| Before January 2, 1912 | Up to 100 percent at survivor full retirement age, before other adjustments. | Survivor full retirement age is 62 years. These are birth-date boundaries, not a calculation from whole current age. January 1 belongs to the preceding listed cohort. Worker early retirement, delayed credits, family maximum and other benefits can change the amount. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0409.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0407.html); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0338.htm) |
| January 2, 1912 to January 1, 1940 | Up to 100 percent at survivor full retirement age, before other adjustments. | Survivor full retirement age is 65 years. These are birth-date boundaries, not a calculation from whole current age. January 1 belongs to the preceding listed cohort. Worker early retirement, delayed credits, family maximum and other benefits can change the amount. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0409.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0407.html); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0338.htm) |
| January 2, 1940 to January 1, 1941 | Up to 100 percent at survivor full retirement age, before other adjustments. | Survivor full retirement age is 65 years and 2 months. These are birth-date boundaries, not a calculation from whole current age. January 1 belongs to the preceding listed cohort. Worker early retirement, delayed credits, family maximum and other benefits can change the amount. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0409.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0407.html); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0338.htm) |
| January 2, 1941 to January 1, 1942 | Up to 100 percent at survivor full retirement age, before other adjustments. | Survivor full retirement age is 65 years and 4 months. These are birth-date boundaries, not a calculation from whole current age. January 1 belongs to the preceding listed cohort. Worker early retirement, delayed credits, family maximum and other benefits can change the amount. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0409.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0407.html); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0338.htm) |
| January 2, 1942 to January 1, 1943 | Up to 100 percent at survivor full retirement age, before other adjustments. | Survivor full retirement age is 65 years and 6 months. These are birth-date boundaries, not a calculation from whole current age. January 1 belongs to the preceding listed cohort. Worker early retirement, delayed credits, family maximum and other benefits can change the amount. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0409.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0407.html); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0338.htm) |
| January 2, 1943 to January 1, 1944 | Up to 100 percent at survivor full retirement age, before other adjustments. | Survivor full retirement age is 65 years and 8 months. These are birth-date boundaries, not a calculation from whole current age. January 1 belongs to the preceding listed cohort. Worker early retirement, delayed credits, family maximum and other benefits can change the amount. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0409.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0407.html); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0338.htm) |
| January 2, 1944 to January 1, 1945 | Up to 100 percent at survivor full retirement age, before other adjustments. | Survivor full retirement age is 65 years and 10 months. These are birth-date boundaries, not a calculation from whole current age. January 1 belongs to the preceding listed cohort. Worker early retirement, delayed credits, family maximum and other benefits can change the amount. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0409.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0407.html); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0338.htm) |
| January 2, 1945 to January 1, 1957 | Up to 100 percent at survivor full retirement age, before other adjustments. | Survivor full retirement age is 66 years. These are birth-date boundaries, not a calculation from whole current age. January 1 belongs to the preceding listed cohort. Worker early retirement, delayed credits, family maximum and other benefits can change the amount. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0409.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0407.html); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0338.htm) |
| January 2, 1957 to January 1, 1958 | Up to 100 percent at survivor full retirement age, before other adjustments. | Survivor full retirement age is 66 years and 2 months. These are birth-date boundaries, not a calculation from whole current age. January 1 belongs to the preceding listed cohort. Worker early retirement, delayed credits, family maximum and other benefits can change the amount. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0409.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0407.html); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0338.htm) |
| January 2, 1958 to January 1, 1959 | Up to 100 percent at survivor full retirement age, before other adjustments. | Survivor full retirement age is 66 years and 4 months. These are birth-date boundaries, not a calculation from whole current age. January 1 belongs to the preceding listed cohort. Worker early retirement, delayed credits, family maximum and other benefits can change the amount. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0409.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0407.html); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0338.htm) |
| January 2, 1959 to January 1, 1960 | Up to 100 percent at survivor full retirement age, before other adjustments. | Survivor full retirement age is 66 years and 6 months. These are birth-date boundaries, not a calculation from whole current age. January 1 belongs to the preceding listed cohort. Worker early retirement, delayed credits, family maximum and other benefits can change the amount. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0409.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0407.html); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0338.htm) |
| January 2, 1960 to January 1, 1961 | Up to 100 percent at survivor full retirement age, before other adjustments. | Survivor full retirement age is 66 years and 8 months. These are birth-date boundaries, not a calculation from whole current age. January 1 belongs to the preceding listed cohort. Worker early retirement, delayed credits, family maximum and other benefits can change the amount. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0409.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0407.html); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0338.htm) |
| January 2, 1961 to January 1, 1962 | Up to 100 percent at survivor full retirement age, before other adjustments. | Survivor full retirement age is 66 years and 10 months. These are birth-date boundaries, not a calculation from whole current age. January 1 belongs to the preceding listed cohort. Worker early retirement, delayed credits, family maximum and other benefits can change the amount. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0409.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0407.html); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0338.htm) |
| January 2, 1962 and later | Up to 100 percent at survivor full retirement age, before other adjustments. | Survivor full retirement age is 67 years. These are birth-date boundaries, not a calculation from whole current age. January 1 belongs to the preceding listed cohort. Worker early retirement, delayed credits, family maximum and other benefits can change the amount. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0409.htm); [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0407.html); [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0338.htm) |
| Relationships to review | Spouses, former spouses, children and dependent parents may qualify for survivor benefits based on the deceased worker's record. | Read the cited Social Security rule with the complete conditions above. SSA confirms individual eligibility and payment. | [Social Security Administration](https://www.ssa.gov/survivor/eligibility) |
| Age and marriage exceptions | Some survivors may qualify regardless of age or marriage length, including certain caregivers and valid non-marital relationships. | Read the cited Social Security rule with the complete conditions above. SSA confirms individual eligibility and payment. | [Social Security Administration](https://www.ssa.gov/survivor/eligibility) |
| Child age and school rules | Unmarried children may qualify through specified minor, full-time school or disability routes. | Read the cited Social Security rule with the complete conditions above. SSA confirms individual eligibility and payment. | [Social Security Administration](https://www.ssa.gov/survivor/eligibility) |
| Primary insurance amount | The widow or widower starting benefit basis is the worker's primary insurance amount, with a possible special computation. | Read the cited Social Security rule with the complete conditions above. SSA confirms individual eligibility and payment. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0338.htm) |
| Earnings can affect payment | Earnings limits can temporarily reduce survivor payments before the applicable full retirement age. | Read the cited Social Security rule with the complete conditions above. SSA confirms individual eligibility and payment. | [Social Security Administration](https://www.ssa.gov/survivor/amount) |
| Benefits from another record | SSA does not add survivor and other benefit payments together. | Read the cited Social Security rule with the complete conditions above. SSA confirms individual eligibility and payment. | [Social Security Administration](https://www.ssa.gov/survivor/amount) |
| Family maximum adjustments | SSA can reduce individual benefits when the family maximum is exceeded, with specified exceptions for some benefit categories. | Read the cited Social Security rule with the complete conditions above. SSA confirms individual eligibility and payment. | [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.07/handbook-0731.html) |
| Child percentage | A surviving child's starting rate is 75 percent of the deceased parent's PIA and can fall under the family maximum. | Read the cited Social Security rule with the complete conditions above. SSA confirms individual eligibility and payment. | [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0412.html) |
| Caregiver percentage | A qualifying caregiver's starting rate is 75 percent of PIA, subject to family maximum and other-benefit adjustments. | Read the cited Social Security rule with the complete conditions above. SSA confirms individual eligibility and payment. | [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0418.html) |
| Parent requirements | Dependent-parent benefits generally require age 62, qualifying half support, insured status, evidence and other specified conditions. | Read the cited Social Security rule with the complete conditions above. SSA confirms individual eligibility and payment. | [Social Security Administration](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0421.html) |
| Reporting from outside the United States | Outside the United States, Social Security directs people to a Federal Benefits Unit or its International Call Center. | Read the cited Social Security rule with the complete conditions above. SSA confirms individual eligibility and payment. | [Social Security Administration](https://www.ssa.gov/personal-record/when-someone-dies) |
| Usual application period | The usual application period for the one-time death payment is two years after death. | Read the cited Social Security rule with the complete conditions above. SSA confirms individual eligibility and payment. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0621.htm) |
| Application anniversary and extensions | The usual filing endpoint is the second anniversary, extended to the next full workday for specified nonworkdays. | Read the cited Social Security rule with the complete conditions above. SSA confirms individual eligibility and payment. | [Social Security Administration](https://secure.ssa.gov/apps10/poms.nsf/lnx/0300210005) |
| Military service extension | Social Security identifies a military-service exception to the usual two-year application period. | Read the cited Social Security rule with the complete conditions above. SSA confirms individual eligibility and payment. | [Social Security Administration](https://www.ssa.gov/OP_Home/cfr20/404/404-0621.htm) |
| Early payment review | Social Security identifies a narrow early-delivery exception that requires review before a final payment is treated as not due. | Read the cited Social Security rule with the complete conditions above. SSA confirms individual eligibility and payment. | [Social Security Administration](https://secure.ssa.gov/POMS.nsf/lnx/0202408650) |

[Review benefit and tax paperwork](https://planbeforeyoudie.app/guides/benefits)

## What should you confirm with Social Security?

### Does this tell me when to claim?

No. It shows the published rules and age table without recommending a claiming age. Ask Social Security to confirm your options and the amount.

### Can I use the deposited monthly payment?

A deposited payment alone does not establish the calculation base. Use an amount that SSA confirms applies to the published percentages. The tool leaves the estimate unavailable when the basis or adjustments remain uncertain.

### Can I use this without scripts?

Yes. Every question, rule, exception and official source remains in the reference below. Read the row for your relationship and ask SSA to confirm the conditions.

### When should I review this again?

Return after SSA confirms the work record, your relationship, an exception or the calculation base. Recheck when family circumstances change. A saved calendar item is a voluntary review checkpoint.

## How does this tool work?
- **What it does**

Review death reporting, survivor benefit rules and a conditional payment estimate.

- **How it decides**

The tool matches your relationship and answers to the published Social Security conditions. Uncertain answers lead to review rather than a denial. The full survivor age table stays visible. Dollar illustrations require a confirmed source amount and exclude unresolved adjustments. The tool never recommends a claiming age.

- **Your answers**

Your answers stay in this browser. Anonymous tool-use counts contain no answers. A copied link includes your answers in its fragment. Share links and downloads only with people you choose.

- **What it is based on**

It uses only [Social Security Administration guidance](https://www.ssa.gov/survivor/eligibility) and the official rules linked in each row. We recheck monetary parameters every quarter and other rules at least yearly. We recheck each official source at least once a year and update this page when one changes.

- **What it doesn't do**

It does not decide eligibility, calculate an actual award, combine benefits or recommend when to claim. SSA confirms work credits, relationships, exceptions, earnings, family limits and other adjustments. The anniversary calendar item is a voluntary checkpoint. SSA confirms the final filing date and extensions. It covers the United States. This is general information, not legal, medical or financial advice.

## Where do these facts come from?

| Fact | Source | Checked |
|---|---|---|
| Social Security tells reporters not to cash checks for the month of death or later and to return them when appropriate. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://secure.ssa.gov/apps10/poms.Nsf/lnx/0202602050) | Oct 22, 2026 |
| Social Security lists phone and TTY support during stated weekday hours in most U.S. time zones. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://www.ssa.gov/personal-record/when-someone-dies) | Oct 22, 2026 |
| For a refund question, Social Security tells the reporter to notify the bank of the death promptly. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://secure.ssa.gov/apps10/poms.Nsf/lnx/0202602050) | Oct 22, 2026 |
| A bank returns direct deposits arriving after it learns of the death so Social Security can decide whether payment was due. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://secure.ssa.gov/POMS.nsf/lnx/0202408650) | Oct 22, 2026 |
| Certain early-delivered payments may escape recovery even though no benefit is due for the month of death. | [Social Security Administration (Actual official source opened in Chrome and retained October 22, 2026)](https://secure.ssa.gov/poms.NSF/lnx/0202408615) | Oct 22, 2026 |
| The family maximum can reduce a survivor's payment below the published percentage. | [Social Security Administration (Last revised Aug. 17, 2009)](https://www.ssa.gov/OP_Home/handbook/handbook.07/handbook-0731.html) | Oct 22, 2026 |
| The usual family maximum adjustment excludes surviving divorced spouse benefits. | [Social Security Administration (Last revised Aug. 17, 2009)](https://www.ssa.gov/OP_Home/handbook/handbook.07/handbook-0731.html) | Oct 22, 2026 |
| SSA's survivor publication describes a family limit ranging from 150% to 180% of the deceased worker's benefit amount. | [Social Security Administration (Actual official source opened in Chrome and retained October 22, 2026)](https://www.ssa.gov/pubs/EN-05-10084.pdf) | Oct 22, 2026 |
| SSA's technical reference describes a usual family maximum range of 150% to 188% of the worker's primary insurance amount. | [Social Security Administration (Actual official source opened in Chrome and retained October 22, 2026)](https://www.ssa.gov/policy/about/oasdi-reference.html) | Oct 22, 2026 |
| The one-time death payment may be $255 when the worker was fully or currently insured and a survivor qualifies. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://www.ssa.gov/OP_Home/cfr20/404/404-0390.htm) | Oct 22, 2026 |
| The usual filing endpoint is the second anniversary, extended to the next full workday for specified nonworkdays. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://secure.ssa.gov/apps10/poms.nsf/lnx/0300210005) | Oct 22, 2026 |
| Social Security offers an online one-time death payment application that requires signing in. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://www.ssa.gov/personal-record/when-someone-dies/lump-sum-death-payment) | Oct 22, 2026 |
| A person qualifying only as a surviving divorced spouse or surviving divorced parent in care cannot receive the lump sum. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://secure.ssa.gov/poms.nsf/lnx/0300210001) | Oct 22, 2026 |
| Social Security may accept a late one-time death payment application when it finds good cause. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://www.ssa.gov/OP_Home/cfr20/404/404-0621.htm) | Oct 22, 2026 |
| A qualifying spouse living in the same household has first priority for the one-time death payment. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://www.ssa.gov/OP_Home/cfr20/404/404-0391.htm) | Oct 22, 2026 |
| A qualifying household spouse does not need to meet the monthly benefit duration-of-marriage rule for the lump sum. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://secure.ssa.gov/poms.nsf/lnx/0300210001) | Oct 22, 2026 |
| Social Security may treat certain temporary or medical separations as living in the same household. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://www.ssa.gov/OP_Home/cfr20/404/404-0347.htm) | Oct 22, 2026 |
| Social Security identifies a military-service exception to the usual two-year application period. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://www.ssa.gov/OP_Home/cfr20/404/404-0621.htm) | Oct 22, 2026 |
| A spouse entitled to spouse benefits on the worker's record in the previous month need not apply again for the lump sum. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://www.ssa.gov/OP_Home/cfr20/404/404-0391.htm) | Oct 22, 2026 |
| Social Security also offers phone support for a one-time death payment application. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://www.ssa.gov/personal-record/when-someone-dies/lump-sum-death-payment) | Oct 22, 2026 |
| Without a qualifying household spouse, an eligible spouse has priority, followed by eligible children sharing equally. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://www.ssa.gov/OP_Home/cfr20/404/404-0392.htm) | Oct 22, 2026 |
| The usual application period for the one-time death payment is two years after death. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://www.ssa.gov/OP_Home/cfr20/404/404-0621.htm) | Oct 22, 2026 |
| Social Security generally pays for the previous month and pays no benefit for the month the beneficiary dies. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://www.ssa.gov/payee/NewGuide/toc.htm?tl=0%2C3) | Oct 22, 2026 |
| Social Security identifies a narrow early-delivery exception that requires review before a final payment is treated as not due. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://secure.ssa.gov/POMS.nsf/lnx/0202408650) | Oct 22, 2026 |
| SSI covers the current month, including the month of death, while later-month payments must be returned. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://www.ssa.gov/payee/NewGuide/toc.htm?tl=0%2C3) | Oct 22, 2026 |
| People already getting Family benefits generally have their benefit type and amount updated automatically for survivor benefits. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://www.ssa.gov/apply?benefits=survivor_adult&age=adult) | Oct 22, 2026 |
| Social Security can schedule a survivor benefit application appointment by phone or in person. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://www.ssa.gov/apply?benefits=survivor_adult&age=adult) | Oct 22, 2026 |
| Social Security accepts monthly survivor benefit applications by phone and says they cannot be submitted online. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://www.ssa.gov/news/en/mip/2026-07-01-d.html) | Oct 22, 2026 |
| A survivor with their own retirement or disability benefit may receive the higher total amount rather than both full payments. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://www.ssa.gov/news/en/mip/2026-07-01-d.html) | Oct 22, 2026 |
| Outside the United States, Social Security directs people to a Federal Benefits Unit or its International Call Center. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://www.ssa.gov/personal-record/when-someone-dies) | Oct 22, 2026 |
| Call Social Security if the funeral home does not report the death. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://www.ssa.gov/personal-record/when-someone-dies) | Oct 22, 2026 |
| Funeral homes generally report deaths to Social Security. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://www.ssa.gov/personal-record/when-someone-dies) | Oct 22, 2026 |
| SSA does not add survivor and other benefit payments together. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/survivor/amount) | Oct 22, 2026 |
| Qualifying caregivers need an entitled child under 16 or disabled, along with insured-status, relationship and other-benefit conditions. | [Social Security Administration (Last revised Mar. 12, 2009)](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0415.html) | Oct 22, 2026 |
| A qualifying caregiver's starting rate is 75 percent of PIA, subject to family maximum and other-benefit adjustments. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0418.html) | Oct 22, 2026 |
| Remarriage generally ends caregiver benefits, but a specified marriage to another Social Security beneficiary can preserve ongoing entitlement. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/OP_Home/cfr20/404/404-0341.htm) | Oct 22, 2026 |
| Unmarried children may qualify through specified minor, full-time school or disability routes. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/survivor/eligibility) | Oct 22, 2026 |
| A surviving child needs qualifying insured status, relationship, dependency, unmarried status, age or disability conditions and an application. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0410.html) | Oct 22, 2026 |
| An adult child may qualify if the disability began before the twenty-second birthday. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/survivor/eligibility) | Oct 22, 2026 |
| A surviving child's starting rate is 75 percent of the deceased parent's PIA and can fall under the family maximum. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0412.html) | Oct 22, 2026 |
| SSA recognizes possible exceptions involving married children, stepchildren, adopted children, grandchildren and stepgrandchildren. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/survivor/eligibility) | Oct 22, 2026 |
| Full-time student benefits ordinarily require age under 19, with specified age-19 exceptions and other termination rules. | [Social Security Administration (Last revised Jan. 29, 2003)](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0414.html) | Oct 22, 2026 |
| A surviving divorced caregiver must meet specific marriage, natural-or-adopted child, insured-status and other-benefit conditions. | [Social Security Administration (Last revised Sep. 1, 2009)](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0416.html) | Oct 22, 2026 |
| A surviving divorced spouse generally needs a ten-year marriage immediately before the final divorce, with a specified remarriage-to-the-worker exception. | [Social Security Administration (Last revised Sep. 1, 2009)](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0403.html) | Oct 22, 2026 |
| Earnings limits can temporarily reduce survivor payments before the applicable full retirement age. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/survivor/amount) | Oct 22, 2026 |
| A remarriage that ends can allow renewed survivor entitlement if all other requirements are met. | [Social Security Administration (Last revised Mar. 12, 2009)](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0406.html) | Oct 22, 2026 |
| SSA can reduce individual benefits when the family maximum is exceeded, with specified exceptions for some benefit categories. | [Social Security Administration (Last revised Aug. 17, 2009)](https://www.ssa.gov/OP_Home/handbook/handbook.07/handbook-0731.html) | Oct 22, 2026 |
| Some survivors may qualify regardless of age or marriage length, including certain caregivers and valid non-marital relationships. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/survivor/eligibility) | Oct 22, 2026 |
| Parent benefits require age 62, qualifying half support, evidence, no marriage since death and the other statutory conditions. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/OP_Home/cfr20/404/404-0370.htm) | Oct 22, 2026 |
| Dependent-parent benefits generally require age 62, qualifying half support, insured status, evidence and other specified conditions. | [Social Security Administration (Last revised Sep. 1, 2009)](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0421.html) | Oct 22, 2026 |
| One entitled dependent parent's starting rate is 82.5 percent of the deceased worker's PIA. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0425.html) | Oct 22, 2026 |
| Family maximum and other benefits can reduce a dependent parent's payment. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0425.html) | Oct 22, 2026 |
| Parents generally must submit support evidence within two years of the applicable event, subject to good-cause extensions. | [Social Security Administration (Last revised Sep. 1, 2009)](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0424.html) | Oct 22, 2026 |
| When two parents qualify on the same record, each starting rate is 75 percent of the worker's PIA. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0425.html) | Oct 22, 2026 |
| SSA publishes spouse and former-spouse survivor percentages starting at 71.5 percent and rising to 100 percent at survivor full retirement age. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/survivor/amount) | Oct 22, 2026 |
| SSA generally requires age 60, or age 50 to 59 with disability, a nine-month marriage and specified remarriage conditions. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/survivor/eligibility) | Oct 22, 2026 |
| Certain full-time students can continue briefly after age 19 under course-completion and school-calendar limits. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/OP_Home/handbook/handbook.03/handbook-0342.html) | Oct 22, 2026 |
| Survivor full retirement ages follow a separate birth-date table from retirement-benefit ages. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/OP_Home/cfr20/404/404-0409.htm) | Oct 22, 2026 |
| Spouses, former spouses, children and dependent parents may qualify for survivor benefits based on the deceased worker's record. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/survivor/eligibility) | Oct 22, 2026 |
| SSA derives widow age reductions from a 28.5 percent maximum and adds no further age reduction before 60 for disability. | [Social Security Administration (Last revised Feb. 2, 2009)](https://www.ssa.gov/OP_Home/handbook/handbook.07/handbook-0724.html) | Oct 22, 2026 |
| The deceased worker's delayed retirement credits can increase a widow or widower benefit. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/OP_Home/cfr20/404/404-0338.htm) | Oct 22, 2026 |
| Disabled survivor eligibility includes disability timing and waiting requirements that SSA must assess. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/OP_Home/cfr20/404/404-0335.htm) | Oct 22, 2026 |
| Early worker retirement can limit survivor benefits to the larger of the worker's hypothetical payment or 82.5 percent of PIA. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/OP_Home/cfr20/404/404-0338.htm) | Oct 22, 2026 |
| The unreduced widow or widower rate is 100 percent of PIA plus qualifying delayed retirement credits. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0407.html) | Oct 22, 2026 |
| Aged or disabled widow and widower benefits require the deceased worker to have died fully insured. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/OP_Home/cfr20/404/404-0335.htm) | Oct 22, 2026 |
| SSA recognizes specific alternatives and exceptions to the nine-month spouse marriage requirement. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/OP_Home/cfr20/404/404-0335.htm) | Oct 22, 2026 |
| The widow or widower starting benefit basis is the worker's primary insurance amount, with a possible special computation. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/OP_Home/cfr20/404/404-0338.htm) | Oct 22, 2026 |
| Family maximum, other benefits, early claiming and the worker's reduced retirement can affect the widow or widower payment. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0407.html) | Oct 22, 2026 |
| SSA disregards certain remarriages after age 60 or after age 50 under specific disabled-survivor conditions. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/OP_Home/cfr20/404/404-0335.htm) | Oct 22, 2026 |
| SSI eligibility ends with the month of death and payments stop effective the following month. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://www.ssa.gov/OP_Home/cfr20/416/416-1334.htm) | Oct 22, 2026 |
| Social Security says survivor and other benefit payments are not added together. | [Social Security Administration (Actual SSA browser page checked October 22, 2026)](https://www.ssa.gov/survivor/amount) | Oct 22, 2026 |
| Social Security reviews returned payments and decides who can receive any amount the deceased person was due. | [Social Security Administration (Actual official source opened in Chrome and its rendered DOM text retained October 22, 2026)](https://secure.ssa.gov/POMS.nsf/lnx/0202408650) | Oct 22, 2026 |

Facts approved by the [Plan Before You Die editor](https://planbeforeyoudie.app/editorial-policy).

This tool is general information, not legal advice. Plan Before You Die isn't connected with Medicare or the U.S. government. Something wrong here? Tell us.