Waters Funeral Home, Inc. is committed to providing families with as much assistance as we possibly can, and when it comes to obtaining any benefits to which you are entitled, you can be confident that we will competently assist and guide you through the process.
When a death occurs, generally the first form that we complete and file is the "Statement of Death by Funeral Director" form. The Social Security Administration is not able to proceed with any claim until they receive this form, so we try to prevent any delays in your receiving death benefits from Social Security by filing the necessary paperwork in a very timely fashion.
The following information is designed to assist you in understanding your eligibility for Social Security Benefits and how to proceed when filing a claim for Social Security Benefits. If you do not find the information you are looking for here, more information is available from the Social Security Administration web site, www.ssa.gov.
|Part 1||If You're Working ...What You Need To Know About Survivors Benefits|
Some of the Social Security taxes you pay go towards survivors insurance. In fact, the value of the survivors insurance you have under Social Security is probably more than the value of your individual life insurance.
When someone who has worked and paid into Social Security dies, survivor benefits can be paid to certain family members. These include widows, widowers (and divorced widows and widowers), children, and dependent parents.
You, along with millions of other people, earn survivors insurance by working and paying Social Security taxes. Right now, 98 out of every 100 children could get benefits if a working parent should die. In fact, Social Security pays more benefits to children than any other federal program.
Do You Earn Survivors Benefits?
Can Get Survivors Benefits?
One-Time Death Benefit
Benefits for Surviving Divorced Spouses
Benefits paid to a surviving divorced spouse who is age 60 or older (50-60 if disabled) will not affect the benefit rates for other survivors getting benefits.
Much Are Benefits?
|Part 2||If A Loved One Has Died ... What You Need To Know About Survivors Benefits|
How Do I Apply For Benefits?
If You Aren't Getting
Social Security Benefits
The Social Security representative will need certain information to process your application. It is helpful if you have it when you apply. But don't delay applying if you don't have everything; a Social Security representative can help you obtain the necessary materials. They need either original documents or copies certified by the agency that issued them.
The information needed includes:
If you're getting benefits on your own record, you'll need to complete an application to get survivors benefits. Call or visit a Social Security Office and they will check to see if you can get more money as a widow or widower. A Social Security representative will need to see a certified copy of your spouse's death certificate to process your claim. The certified copy can then be returned to you.
Benefits for any children will automatically be changed to survivors benefits after the death is reported. A Social Security representative will contact you if they need more information.
How Much Will I Receive?
The amount you will get is a percentage of the deceased's basic Social Security benefit. The percentage depends on your age and the type of benefit you are eligible for. Here are the most typical situations.
widow or widower, age 65 or older100
Retirement Benefits For Widow(ers)
If I Work?
Your earnings will reduce only your survivors benefits, not the benefits of other family members.
If I Remarry?
Word About Medicare
S. Main Street, P. O. Box 84, Vandalia, Missouri 63382-0084
PH: 573-594-2125 Toll Free: 1-866-594-2125 FAX: 573-594-2632
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