My mother passed away. I'm assuming her husband got the life insurance. There is some SSSI. Does that go to anyone? She had 3 kids, older and her husband of 18 years.
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I would not assume anything. If you know the life insurance company and policy number you might be able to find out. You could also go to Social Security with a copy of your mother's death certificate and your birth certificate (call ahead to see if any other documents are required) to see if you are entitled to survivor benefits. I am assuming you aren't on the best terms with your mother's husband, or he would have shared such important information with you.
Her social security would only go to minor children or disabled children, or her spouse (depending on her age), if she was paying into it and had enough quarters. If you are referring to the ss death benefit, it goes to the spouse, and is only a 1 time payout of $255 to help go to death expenses, which the spouse generally is responsible for.
www.thebalance.com/
i certainly agree - do not assume anything.
After a death is when it is time to put aside any personal problems and try to discuss the very important issues - and this is certainly one of those and should be done while details are still available.
From experience, I can say that most funeral homes will help with any insurance, especially Social Security death benefits so you might ask about that as that benefit most likely went directly to the husband.
It does not sound like there will be any more benefits (unless she had a higher income that her husband) from SS but hopefully there are some papers somewhere that will give a name of any insurance agency. Has anyone checked for past check payments or automatic withdrawals from her bank?
I may be wrong but I have always thought benefits only go to minor children but with anything the best place to go is to the professionals.... call the SS office. Good luck
More info is available on the SSI site - "Your family is protected when you die. Your spouse and children could be eligible for benefits based on your earnings. Planning For Your Survivors explains how you earn benefits and who qualifies for them."
"FAQ HomeSpouses, Children, SurvivorsSurvivors
Who can get Social Security survivors benefits and how do I apply?
When you die, members of your family could be eligible for benefits based on your earnings. You and your children also may be able to get benefits if your deceased spouse or former spouse worked long enough under Social Security.
Who can get survivors benefits?
Widows and Widowers
A widow or widower can receive benefits
at age 60 or older.
at age 50 or older if disabled.
at any age if she or he takes care of a child of the deceased who is younger than age 16 or disabled.
Divorced Widows and Widowers
A divorced widow or widower can receive benefits
at age 60 or older if the marriage to the deceased lasted at least 10 years.
at age 50 or older if disabled and the marriage to the deceased lasted at least 10 years.
younger than age 18 (or up to age 19 if they are attending elementary or secondary school full time);
any age and were disabled before age 22 and remain disabled.
Under certain circumstances, benefits also can be paid to stepchildren, grandchildren, stepgrandchildren or adopted children.
Dependent parents
Parents age 62 or older who received at least one-half support from the deceased can receive benefits.
One-time lump sum death payment
A one-time payment of $255 can be made only to a spouse or child if they meet certain requirements. Survivors must apply for this payment within two years of the date of death.
How to Apply for Survivors Benefits
You cannot apply for survivors benefits online. To report a death or apply for survivors benefits, please
call our toll-free number, 1-800-772-1213 (TTY 1-800-325-0778).
You also can call or visit your local Social Security office.
"
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