Losing a loved one is hard enough—missing out on a modest but timely $255 payment from Social Security shouldn’t add to the stress. Here’s what survivors need to know, in plain English.
The Social Security Administration (SSA) offers a one‑time “death payment” of $255 to certain relatives of a worker who paid into the system. Although the amount is small, it can help with immediate expenses. The catch? You must file within two years of the worker’s passing, and only specific family members are eligible.
Who can claim Social Security’s one‑time $255 death benefit payment today
Not every mourner can collect the check. Eligibility hinges on your relationship to the deceased and a few timing rules. Wondering whether you make the cut? Check the list below, then keep reading for next steps.
If none of the above relatives apply, a surviving divorced spouse may qualify under specific conditions. Consequently, it pays to ask even if you’re not sure.
Key documents, deadlines and tips to secure your lump sum without stress
First, gather proof of death (a certified death certificate) and documents that link you to the worker—think marriage license, birth certificate, or proof of adoption. After that, complete Form SSA‑8 and either mail it or take it to your local SSA office. Need a hand gathering the right paperwork? Call the national line before you queue up.
| SSA contact option | How to use it | Hours (Eastern) |
|---|---|---|
| National helpline: 1‑800‑772‑1213 (TTY 1‑800‑325‑0778) | Request forms, ask eligibility questions | Mon–Fri, 8 a.m.–7 p.m. |
| Local field office | File in person, drop off documents | Varies—check office locator |
| Online office locator | Find address and hours fast | Anytime |
However, remember that you cannot apply for the death payment entirely online—physical or phone contact is still required.
Simple filing options and what happens once your request is approved
Applicants can file by phone, schedule an in‑person visit, or mail forms with certified copies of documents. After submission, SSA will review the worker’s earnings record and your relationship proofs. Once approved, the $255 is typically deposited to the same bank account where monthly benefits land or sent as a paper check within a few weeks. On the other hand, if the claim is denied, you have 60 days to appeal, so act quickly.
File within two years, bring the right paperwork, and follow up if you haven’t heard back in a month. The payment may be small, but every dollar helps when bills pile up after a funeral.