Understanding Death Benefits

January 12, 2020

When most of think of death benefits, we think primarily of life insurance. However, there are many death benefits that you may be entitled to receive when your loved one dies.

One of the cremation services provided in Roanoke, VA will include help with the death benefits you may be entitled to after the death of your loved one. These death benefits will be directly related to the funeral arrangements, but another service the funeral home does for you is to get copies of death certificates, which you will need to claim other death benefits that may not be directly related to the funeral. 


One of the death benefits that is available to military veterans is free burial (whether it’s a traditional burial or cremation remains) in a national cemetery, with a free plot, free marker, free American flag, and military honors. To claim this death benefit, you’ll need to bring a copy of your loved one’s military discharge papers (Form DD-214) to the funeral director. He will then make all the arrangements in conjunction with the Department for Veterans Affairs for the military funeral. 


If your loved one had burial insurance, that death benefit can be claimed by the funeral home to cover final expenses. If there is money left over after funeral expenses have been paid, the funeral home will ensure that you get the balance to help pay off any outstanding medical bills that your loved one may have had. 


You will need a death certificate to make a claim for your loved one’s life insurance policy. Applying for this death benefit is fairly simple because most life insurance companies have streamlined the process because they recognize that bereaved people don’t need any extra frustration trying to obtain something that rightfully belongs to them. 


If your loved one was retired and drawing Social Security, you are likely entitled to Social Security survivor benefits. These are divided into two categories. 


One category is monthly benefits. Qualifications for this benefit include: 


  • A widow or widow who is 60 or older (50 if disabled), or at any age if they are taking care of an entitled child who is disable or under 16; 
  • A widow or widow who is 60 or older (50 if disabled) if the marriage lasted 10 or more years, or at any age if they are taking care of an entitled child who is disable or under 16; 
  • Unmarried children under 18 if they’re attending school fulltime; 
  • Children who became permanently disabled before they turned 22; 
  • Parents 62 or older who were dependents of the deceased. 


The other category is a lump-sum death payment. This is given to spouses who lived in the same household as the deceased when they died and spouses and/or children who are eligible for benefits during the month that the deceased died. This payment is $255. 


To apply for Social Security death benefits, you can go to your nearest Social Security office or you can call 800-772-1213. You’ll need to have a copy of the deceased’s death certificate, their Social Security number and the Social Security numbers of people who are eligible for benefits, your birth certificate, marriage certificate or divorce papers, W-2 form for the most recent year that the deceased worked, and bank information for direct deposit of benefits payments. 


Other death benefits you may be eligible for include pension/retirement funds, civil service retirement, trade union benefits, miner’s benefits, teacher’s benefits, railroad retirement, credit union benefits, and fraternal organization benefits. 


For additional information about death benefits and cremation services in Roanoke, VA, our caring and knowledgeable staff at Lynch Conner-Bowman Funeral Home can assist you. You can visit our funeral home at 140 Floyd Ave., Rocky Mount, VA, 24151, or you can call us today at (540) 483-5533.

Roanoke, VA funeral services
By Conner-Bowman Funeral Home & Crematory April 14, 2025
Discover how personalized Roanoke, VA funeral services provide comfort and honor for your loved ones, enabling healing and remembrance during difficult times.
Roanoke, VA funeral homes
By Conner-Bowman Funeral Home & Crematory April 7, 2025
Learn what to expect when planning traditional funeral services. Trust Conner-Bowman Funeral Home among Roanoke, VA funeral homes for personalized support.
Roanoke, VA cremations
By Conner-Bowman Funeral Home & Crematory March 31, 2025
Explore how to find the best funeral home for Roanoke, VA cremations. Get personalized, compassionate care at Conner-Bowman Funeral Home & Crematory.
Roanoke, VA cremation services
By Conner-Bowman Funeral Home & Crematory March 24, 2025
Discover how prepaid cremation offers peace of mind and financial stability for families. Explore meaningful options with Roanoke, VA cremation services.
Roanoke VA funeral services
By Conner-Bowman Funeral Home & Crematory March 17, 2025
Uncover the essential elements of a traditional burial service and explore funeral services with personalized support from Conner-Bowman Funeral Home & Crematory.
Roanoke, VA funeral homes
By Conner-Bowman Funeral Home & Crematory March 10, 2025
Learn about traditional funeral services and their importance in funeral homes. Discover how Conner-Bowman Funeral Home & Crematory can assist you during this time.
Roanoke, VA cremations
By Conner-Bowman Funeral Home & Crematory February 24, 2025
Explore how direct cremation offers flexibility for Roanoke, VA cremations, allowing families time to plan meaningful memorial services without pressure.
Roanoke, VA cremation services
By Conner-Bowman Funeral Home & Crematory February 17, 2025
Discover how to personalize Roanoke, VA cremation services to honor your loved one with care, respect, and unique tributes. Contact us for more information.
Roanoke, VA funeral services
By Conner-Bowman Funeral Home & Crematory February 10, 2025
Discover essential etiquette for funerals, answering common questions about how to support grieving families during Roanoke, VA funeral services. Learn more.
Roanoke, VA funeral homes
By Conner-Bowman Funeral Home & Crematory February 3, 2025
Explore a compassionate guide for those facing grief during the holidays, including support from Roanoke, VA funeral homes to help navigate your emotions.
More Posts