Social Security Survivor Benefits For Children

Losing a parent is one of the most difficult experiences a child can face. Along with the emotional challenges, families often must navigate new financial realities. Many Americans don’t realize that the Social Security Administration (SSA) can help support children who have lost a parent by providing monthly Survivor benefits.

Who is eligible for Survivor benefits?

If a child loses a parent who worked and paid into Social Security, that child may be eligible for monthly Survivor benefits. These benefits aren’t just for biological children, they can also be paid to stepchildren, adopted children, grandchildren, and step-grandchildren under certain circumstances. In most cases, these benefits continue until the child turns 18 or graduates from high school, whichever comes later. Additionally, adults who became disabled before age 22 may be eligible for childhood Survivor benefits at any age.

Why are Survivor benefits important?

The death of a parent can have a lasting impact on a child’s emotional well-being, academic performance, and financial stability. Survivor benefits are designed to help ease the financial burden during this challenging time, providing a measure of security and support for the child’s future.

How to apply for Survivor benefits

Applying for Survivor benefits is not something you can do online. Instead, you’ll need to call us or visit your local Social Security office in person.

To set up an appointment, call 1-800-772-1213 (TTY: 1-800-325-0778) between 8:00 a.m. and 7:00 p.m., Monday through Friday. Wait times are usually shorter early in the day (before 10 a.m.), later in the afternoon (after 4 p.m.), or later in the week (Wednesday to Friday). Most appointments can be scheduled within 30 to 60 days.

When you call, have the Social Security number (SSN) of the parent who passed away ready. The representative will let you know what other information you’ll need for your appointment.

It’s important to contact us as soon as possible after a parent’s death. The date you reach out can affect when the child’s benefits will begin, so don’t delay.

For more information about Social Security Survivor benefits for children, visit www.ssa.gov/survivor and review our publication, Benefits for Children at www.ssa.gov/pubs/EN-05-10085.pdf.