Just as it’s important to prepare for what happens if you pass away, you should consider the Social Security benefits that may be available if you are the survivor — the spouse, child or parent — of a worker who dies. How are Survivors Benefits Calculated?Each year, workers can earn up to 4 credits for a certain amount of money earned in wages or self-employment income. These credits determine the benefits provided to survivors. You don’t need more than 40 credits to be eligible for any Social Security benefit. Who is Eligible to Receive Benefits?Certain family members may be eligible to receive monthly benefits, including a/an:
Applying for Survivors BenefitsYou cannot report a death or apply for survivors benefits online. To report the death and/or apply for benefits, call 1-800-772-1213 to speak to a Social Security representative, or contact your local Social Security office. The documents you need may depend on the benefit you’re applying for including Widows/Widowers or Surviving Divorced Spouse's Benefits, Child’s Benefits, Mother’s or Father’s Benefits, Lump-Sum Death Payment, or Parent’s Benefits. Join Us for our Social Security Seminar & WebinarSocial Security Survivor benefits are largely circumstantial, so it’s important to be aware of your options based on your situation. Join us for this complimentary educational opportunity this month as we work through your questions. Tuesday, October 13th, 2026 12:30pm ET In Person (space is limited) - OR - 6:30pm ET Zoom Webinar Our guest speaker Asad Elmi, Vice President and Market Leader for Kentucky and Southern Indiana at Franklin Templeton will share how to prepare to claim your Social Security benefits. |
Understanding Social Security Survivor Benefits
