The deceased worker must have credit for work covered by Social Security ranging from 1 1/2 to 10 years depending on his or her age at death in order to receive monthly benefits. Those eligible for monthly benefits include:
LUMP-SUM DEATH PAYMENT
APPLYING FOR BENEFITS
You must apply in order to receive benefits. You may apply at any Social Security office, by phone at (800) 772-1213, or online at www.ssa.gov.