Social Security Death Benefit in Texas: How Richardson Families Claim the $255 Payment
The Social Security death benefit is small and often misunderstood. At $255, it barely covers an urn — but it is still worth claiming, and some families are also eligible for much larger monthly survivor benefits.
Who qualifies for the $255 lump-sum death payment?
The surviving spouse who was living with the deceased, or who was receiving Social Security benefits based on the deceased's record. If there is no eligible spouse, a dependent child under 18 (or under 19 if still in high school, or any age if disabled) may qualify.
How does a Richardson family apply?
Application cannot be made online. You must call 1-800-772-1213 or visit the Social Security office in Dallas at 10824 N Central Expwy. Some families find it easier to apply by phone than to make an in-person visit. The funeral home typically reports the death to SSA automatically.
What about monthly survivor benefits?
A surviving spouse at full retirement age receives 100% of the deceased's benefit; a younger widow/widower with minor children receives 75%; a disabled widow/widower at age 50+ also qualifies. These amounts are far more significant than the $255 lump sum and are often overlooked.
Key Facts at a Glance
- Lump-sum death benefit: $255 (one-time payment)
- Application must be made within 2 years of death
- Phone application: 1-800-772-1213 (TTY 1-800-325-0778)
- Local SSA office: 10824 N Central Expwy, Dallas, TX 75231
- Monthly survivor benefits available to qualifying spouses and children
Frequently Asked Questions
Does SSA know about the death automatically?
The funeral home reports the death to SSA using the deceased's Social Security number. This stops future benefit payments but does not automatically trigger the $255 payment — you must still apply.
What if the spouse was not living with the deceased?
A separated spouse may still qualify if they were receiving benefits on the deceased's record.
Are survivor benefits taxable?
They may be, depending on the survivor's total income. Consult a tax advisor.
What happens to the estate.
A walk-through of probate, Social Security death benefits, and the financial steps families face in the weeks after a death — from AARP.
Source: AARP / Texas State Bar · embedded for educational use.
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