Survivor benefits most families never claim

The benefits gap

After a death, most families focus on the funeral, the immediate logistics, and the emotional aftermath. Fewer realize that benefits designed for exactly their situation may be waiting, and that much of this money goes unclaimed because no one told the family it existed.

The scope of unclaimed property in the United States is large. State treasuries hold billions of dollars in forgotten bank accounts, uncashed checks, and insurance payouts, and returned about $4.5 billion to owners in fiscal year 2024 alone, by NAUPA's count. Separate from that, Social Security, veterans benefits, and employer-sponsored programs each have survivor benefits that go unclaimed when no one applies. These are real assets with real eligibility criteria, and none of them is paid until someone applies.

Social Security survivor benefits

Social Security pays survivor benefits to eligible family members of workers who paid into the system. These benefits are among the most commonly missed because families either do not know they qualify or assume they need to wait until retirement age.

• Surviving spouses can receive benefits as early as age 60 (50 if disabled). At full retirement age, the surviving spouse receives 100% of your person’s benefit amount. Claiming early reduces the monthly amount but provides income sooner
• Surviving spouses caring for a child under 16 can receive 75% of your person’s benefit regardless of the spouse’s age. This is often called the “mother’s/father’s benefit” and has no minimum age requirement
• Children under 18 (or 19 if in high school) can each receive 75% of your person’s benefit. Disabled children may qualify for benefits indefinitely if the disability began before age 22
• Dependent parents age 62 or older who received at least 50% of their support from your person may qualify for 82.5% of the benefit (one parent) or 75% each (two parents)
• A one-time lump-sum death payment of $255 is available to the surviving spouse or eligible child. It must be applied for within 2 years of the death
• Divorced spouses who were married for at least 10 years may qualify for survivor benefits equal to what they would receive as a current spouse, without reducing the current spouse’s benefit

Veterans benefits

If your person served in the military, the surviving family may qualify for several benefit programs through the Department of Veterans Affairs that many families do not know about.

• Dependency and Indemnity Compensation (DIC). Monthly tax-free payments to surviving spouses and dependents if the death was service-connected or if the veteran had a totally disabling rating for at least the 10 years before death. The base rate for a surviving spouse is $1,699.36 per month for 2026, effective December 1, 2025
• Survivors Pension. For low-income surviving spouses and dependents of wartime veterans. Income and asset limits apply, but the benefit can provide substantial monthly support
• Burial benefits. VA provides burial allowances (up to $2,000 for service-connected deaths, up to $1,002 for non-service-connected deaths on or after October 1, 2025, plus a $1,002 plot allowance in either case when burial is not in a national cemetery), headstones and markers at no cost, and burial in national cemeteries
• Civilian Health and Medical Program (CHAMPVA). Healthcare coverage for survivors who are not eligible for TRICARE. Covers medical, dental, pharmacy, and mental health services
• Education benefits. Dependents’ Educational Assistance (DEA) provides up to 36 months of education benefits for children and spouses of veterans who died from service-connected conditions (45 months for students who first used the benefit before August 1, 2018)

Employer and workplace benefits

Your person’s employer may owe the family more than just the final paycheck. Many employer-sponsored benefits have survivor provisions that families routinely miss.

• Group life insurance. Most employers provide basic group life coverage (often 1–2x annual salary) at no cost to the employee. Many employees also purchase supplemental coverage. Contact HR to verify all policies
• Accidental Death & Dismemberment (AD&D). A separate policy from life insurance that pays an additional benefit if the death was accidental. Often included as a default benefit but overlooked during claims
• 401(k) and pension survivor benefits. Retirement accounts with named beneficiaries transfer directly. Pensions may have survivor annuity options. Contact the plan administrator for each account
• Deferred compensation and stock options. Executives and long-tenured employees may have unvested stock, deferred compensation, or performance bonuses that include death benefit provisions
• Accrued paid time off. Whether unused vacation must be paid out depends on state law and the employer’s policy, and sick leave rules vary. Request a final accounting of all leave balances
• Workers’ compensation. If the death occurred at work or due to work-related illness, the family may qualify for death benefits, which typically include ongoing payments plus burial expenses

State-specific programs and unclaimed property

Beyond federal programs, many states have their own survivor benefit programs, crime victim compensation funds, and unclaimed property registries that hold significant sums.

• Unclaimed property. Every state maintains a database of abandoned financial assets: forgotten bank accounts, uncashed checks, insurance payments, utility deposits, and more. Search every state where your person lived or worked at unclaimed.org or through each state’s treasury website
• Crime victim compensation. If the death resulted from a crime, most states offer compensation funds covering funeral expenses, lost income, counseling, and other costs. These programs are often underutilized
• State tax credits and deductions. Many states offer additional tax benefits for surviving spouses and dependents beyond what is available at the federal level

How to start claiming

The single biggest barrier to claiming these benefits is information. Most families do not know what exists, and even when they do, the application processes can be opaque and overwhelming.

LumenUs is building a benefits tool that looks at your specific situation, the state, the type of loss, your relationship to the person who died, and your financial circumstances, to identify every benefit you may qualify for. It is designed to estimate values, track application deadlines, and prepare the forms and letters you need. The only cost of not looking is whatever you were owed.