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From the Social security website -https://www.ssa.gov/pubs/EN-05-10077.pdf If a beneficiary dies --- Let us know if a person receiving Social Security benefits dies. We can’t pay benefits for the month of death. That means if the person died in July, the check received in August (which is payment for July) must be returned. If the payment is by direct deposit, notify the financial institution as soon as possible so it can return any payments received after death.
So, using the dates given- the check receive on November 3rd is for the month of October.
As the person was alive for the entire month of October- as stated here - the SS payment can be kept.
They can be very ridged in requiring the full month of life. My mother passed August 30th - a month with 31 days - so SS took back the direct deposit payment that posted on September 1st.
I tend to think that since several months have only 30 days that the 30th ought to be an across the board date. Passing away on the 30th in a month of 30 days vs. a month with 31 days is kinda a “luck of the draw” thing - in my opinion.
Unfortunately, SS does not share my view.
Hope I didn’t confuse things with my rant! But bottom line - if a person lives through an entire month - all the way through - they keep the SS payment received in the first couple days the following month.
I do have to chuckle a bit. My mother was a hard-core penny pincher. If she had realized that hanging on one more day meant being able to keep her SS payment - I do believe she would have done her damnest to hang on one more day!
Donna, if it were me I'd call them and double-check, just to have peace of mind. But make them repeat the relevant dates back to you to make sure they're concentrating :)
I'm sorry for your family's loss, I know how heart-sinking it is having to handle this stuff when you're already at a real low.
A few months ago I sat vigil with my mother's friend, while she waited for her husband to die. The hospital wanted to pull the plug, but my mother's friend wanted to wait until the first of the next month so that she would get his full Security Security check. (She wouldn't get any SS on her own, because she didn't have enough qualifying quarters.) So he was on life support for an extra four days, and was disconnected from it on the 1st of the next month. Someone (taxpayers) paid for those extra days in the ICU so that this woman could collect some more $. Crazy. SS should be prorated.
CTTN55 - prorating would be a good idea. Making the wife pay the hospital bill out of pocket once the hospital says it's time to pull the plug.
That said, the wife in most cases would be eligible for a share of her husband's SS, if they were married at least 10 years. My mother got my father's, and they'd been divorced for many years when he died.
But to get back on topic, the check received on the 3rd is for the previous month. If the person died on the 2nd of the month the check is received, the check is still payable since he/she lived the whole prior month.
When my Dad died on Sept 26th....Social Security took back the direct deposit they made on Sept 4.
I never questioned it.
Well, that was more than a year ago...the beneficiary of that deposit would have been my Mom, and she died this past June. No point to trying to revive this now.
Carla, yes, the wife would get a share of the husband's SS (1/2, I think). But keeping him alive until the 1st of the next month guaranteed that she got the full SS amount for that month instead of the smaller survivor's amount she gets now.
I agree with Countymouse. Because you’re dealing with the Government, don’t do anything until you call Social Security. Get the name of the person you are speaking with and take notes on what they tell you. I’ve never seen the Government move as fast as they did when my mom passed last November to snatch her benefits back.
You are right on, Hugemom. I swear SS knew my mom passed away before I did - and I knew within a few minutes.
I didn’t even need to notify SS. I had planned to but then saw the direct deposit taken back out within a couple of days. And then - a few days later received their letter. I’m not sure who notified SS - it was either the NH or hospice. Oh well - one less thing I had to do.
I agree with everyone saying not to assume the SS is gonna be a keeper until they receive written confirmation one way or another. After SS is notified of the passing, they should be sending a letter confirming payment as they will or will not go forward if there is a spouse - as well as the date of the final payment if there is not.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
If a beneficiary dies ---
Let us know if a person receiving Social Security benefits
dies. We can’t pay benefits for the month of death. That
means if the person died in July, the check received in
August (which is payment for July) must be returned.
If the payment is by direct deposit, notify the financial
institution as soon as possible so it can return any
payments received after death.
Social Security pays a month behind.
So, using the dates given- the check receive on November 3rd is for the month of October.
As the person was alive for the entire month of October- as stated here - the SS payment can be kept.
They can be very ridged in requiring the full month of life. My mother passed August 30th - a month with 31 days - so SS took back the direct deposit payment that posted on September 1st.
I tend to think that since several months have only 30 days that the 30th ought to be an across the board date. Passing away on the 30th in a month of 30 days vs. a month with 31 days is kinda a “luck of the draw” thing - in my opinion.
Unfortunately, SS does not share my view.
Hope I didn’t confuse things with my rant! But bottom line - if a person lives through an entire month - all the way through - they keep the SS payment received in the first couple days the following month.
I do have to chuckle a bit. My mother was a hard-core penny pincher. If she had realized that hanging on one more day meant being able to keep her SS payment - I do believe she would have done her damnest to hang on one more day!
I suppose it's all tax-payers' money, though.
Donna, if it were me I'd call them and double-check, just to have peace of mind. But make them repeat the relevant dates back to you to make sure they're concentrating :)
I'm sorry for your family's loss, I know how heart-sinking it is having to handle this stuff when you're already at a real low.
So he was on life support for an extra four days, and was disconnected from it on the 1st of the next month. Someone (taxpayers) paid for those extra days in the ICU so that this woman could collect some more $. Crazy. SS should be prorated.
That said, the wife in most cases would be eligible for a share of her husband's SS, if they were married at least 10 years. My mother got my father's, and they'd been divorced for many years when he died.
I never questioned it.
Well, that was more than a year ago...the beneficiary of that deposit would have been my Mom, and she died this past June. No point to trying to revive this now.
I didn’t even need to notify SS. I had planned to but then saw the direct deposit taken back out within a couple of days. And then - a few days later received their letter. I’m not sure who notified SS - it was either the NH or hospice. Oh well - one less thing I had to do.
I agree with everyone saying not to assume the SS is gonna be a keeper until they receive written confirmation one way or another. After SS is notified of the passing, they should be sending a letter confirming payment as they will or will not go forward if there is a spouse - as well as the date of the final payment if there is not.