Just as you plan for your family's protection if you die , you should consider the Social Security benefits that may be available if you are the survivor that is, the spouse, child, or parent of a worker who dies. That person must have worked long enough under Social Security to qualify for benefits. 

How Your Spouse Earns Social Security Survivors Benefits 
A worker can earn up to four credits each year. In 2019 , for example , your spouse can earn one credit for each $1,360 of wages or self - employment income. When your spouse has earned $5,440 , they have earned their four credits for the year. The number of credits needed to provide benefits for survivors depends on the worker's age when they die. No one needs more than 40 credits 10 years of work to be eligible for any Social Security benefit. But , the younger a person is , the fewer credits they must have for family members to receive survivors benefits. Benefits can be paid to the worker's children and the surviving spouse who is caring for the children even if the worker doesn't have the required number of credits. They can get benefits if the worker has credit for one and one - half years of work 6 credits in the three years just before their death. Each person s situation is different and you need to talk to a Social Security claims representative about your choices. 

When A Family Member Dies 
We should be notified as soon as possible when a person dies. However , you cannot report a death or apply for survivors benefits online. If you need to report a death or apply for benefits , call 1 - 800 - 772 - 1213 TTY 1 - 800 - 325 - 0778. You can speak to a Social Security representative between 7 a.m. and 7 p.m. Monday through Friday. You can also visit your local Social Security office. An appointment is not required , but if you call ahead and schedule one, it may reduce the time you spend waiting to speak to someone. 

Does Social Security pay death benefits? 
A one - time payment of $255 can be paid to

user:  How does a Spouse Earns Social Security Survivors Benefits

assistant: A worker can earn up to four credits each year

assistant: do you have a spouse that is deceased?

user: yes

assistant:  When your spouse has earned $ 5,440 ,  they have earned their four credits for the year

user: What if you are a widow or widower

assistant: If you are the widow or widower of a person who worked long enough under Social Security you can :
   receive full benefits at full retirement age for survivors or reduced benefits as early as age 60 .

user: can you get A Special Lump-Sum Death Payment

assistant: If they were living apart  the surviving spouse can still receive the lump - sum if , during the month the worker died , they

user: what is a Survivors Benefit Amount

assistant: If the person who died was receiving reduced benefits ,  we base your survivors benefit on that amount 

user: What if you are divorced?

assistant: One surviving parent 82 percent .
   Two surviving parents 75 percent to each parent .
 Percentages for a surviving divorced spouse would be the same as above .

user: What if you had a minor or disabled child?

assistant: If you are the unmarried child under 18 up to age 19 if attending elementary or secondary school full time of a worker who dies ,  you can be eligible to receive Social Security survivors benefits