How To Find A Copy Of A Lost Life Insurance Policy
It can take some digging, but the policy document will have all the information you need to file a life insurance claim, including:
Name and contact information of the insurer
Name of beneficiary or beneficiaries
Death benefit amount
If you know youâre the beneficiary of a life insurance policy but donât have a copy of it, there are a few ways to find a lost policy:
What You Can Learn From The Social Security Death Index
The Social Security Death Index is an excellent resource for finding information on Americans who died after the 1960s. A record in the Social Security Death Index will generally contain some or all of the following information: last name, first name, birth date, death date, Social Security number, the state of residence where the Social Security number was issued, the last known residence and the location where the last benefit payment was sent. For individuals who died while residing outside of the U.S., the record may also include a special state or country residence code. Social Security records can help provide information needed to find a birth certificate, death certificate, obituary, maiden name, parents names, occupation or residence.
Are Social Security Records Public
Social security records are not public they are held by the Social Security office and can be retrieved from a local Social Security office or securely online using login information provided by the SSA. These records include earnings as well as estimates for various benefits, including disability, survivors and retirement benefits that the individual and/or their family may be entitled to.
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Social Security Death Index Introduction
The “Social Security Death Index” is a database created from the Social Security Administration’s Death Master File. This is an index of deceased individuals whose deaths were reported to the Social Security Administration. It has been kept since 1962, when operations were computerized. The index includes a few deaths from 1937 to 1961, about 50 percent of deceased persons from 1962 to 1971, and about 85 percent of deceased persons from 1972 to 2005.
The Social Security Administration was created in 1936 and began issuing Social Security numbers to track the earnings that workers reported for retirement benefits. In 1961, the Internal Revenue Service began using Social Security numbers to identify taxpayers. The SSA provides an extract from its file for distribution through the Department of Commerces National Technical Information Service. Because this extracted file deals with deceased persons, the information is considered to be in the public domain. Several organizations have purchased this file and posted it to their websites.
The follow is a disclaimer from National Technical Information Service.
For additional information about the index please visit the National Technical Information Service’s page Limited Access Death Master File.
- Lump sum payment
Find An Ssn By Getting Your Father’s Social Security Records
Apply to get your father’s Social Security record from the SSA. You can use an online form called Request for a Deceased Individual’s Social Security History, or download, print and mail in form SS-771. This record includes the person’s Social Security application in addition to the SSN. The fee for this is currently under $30.
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The Social Security Death Index And How To Use It For Family History
The Social Security Death Index lists basic information, such as the date of death and the residence where the last claim was sent by the Social Security Administration. It mostly includes people who died after 1962. As an index, which is a type of record that is a simple overview of an actual record, the SSDI contains only basic details nonetheless, it can open up new channels for not only learning more about the deceased but also exploring your unique family story.
What You’ll Find In Social Security Death Index Records
The Social Security Death Index is a valuable place to learn more about your family. It lists birth date, death date, and where and when the Social Security number was issued.
Once you locate your relative in the SSDI, you can order their Social Security application from the SSA, potentially unlocking new discoveries such as maiden name, birthplace, and parents names. The last address on record is where the SSA sent the final benefit check, so it’s likely where your relative was living when they died it could also be the address for the surviving spouse. This can help when you search other death records, leading you to the death certificate, funeral home record, or a more detailed biographical picture in an obituary.
What Happens To Social Security When You Die
The end of a persons life doesnt necessarily mean the end of their social security payments. Depending on factors like income and dependents, social security checks will still be issued to someone else even after the original recipient passes away.
According to the Social Security Administration website, if you work and pay into Social Security, part of those taxes go toward survivor benefits, which means your surviving spouse, children and even parents could be eligible for payments based on your earnings.
Likewise, you and your family could be eligible for benefits based on the earnings of someone else who died as long as the deceased worked long enough to qualify for benefits.
If you have no survivors or dependents, the payments simply cease.
Whenever someone dies, the Social Security office should be notified immediately. This is usually handled by the funeral home, which sends in a form called Statement of Death by Funeral Director.
If that doesnt happen, youll have to call the SSA you cannot report a death or apply for survivor benefits online. If you need to report a death or apply for survivor benefits, call 1-800-772-1213 between 8 a.m. and 7 p.m. Monday through Friday.
Youll need to provide the deceased persons social security number when applying. In the event of your death, your survivor will need to provide your social security number. The executor of the estate can also call Social Security, CNBC reported.
How To Match A Social Security Number With A Name
Social security numbers can be matched with a name by using an FCRA approved background check or approved credit check. Social security numbers are issued by the Social Security Administration and have become the main identifier for US taxation and other official purposes. SSNs are used as a way of verifying identity for things like background checks, tenancy, bank loans, and credit purposes. There are only select authorized purposes for requesting this information and they almost always require the approval of the person being researched.
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How Do You Search For A Person
Searching for a person can be as easy as a Google search or as difficult as hiring a legal professional. If time is a factor and you have an approved reason for searching for someone, a lawyer will have access to the most information available. Otherwise, its best to start with a Google search, followed by a social media search . The more information you have about a person , the easier your search will be. If youre able to find a close friend or relative of the person youre searching for online, try contacting them first before moving onto paid services.
Social Security Death Benefits Missing Checks And Unclaimed Death Benefits
Heirs of decedents who have left behind unclaimed assets and unclaimed benefits make up the largest group of individuals owed money and property. Most family members do not know they are entitled to receive funds, as financial records are often incomplete or missing at the time of death.
Approximately $500 million dollars in Social Security benefit checks are not negotiated each year. There is no time limit concerning a request to reissue a lost or uncashed check, but no effort is made to locate and/or notify owners of uncashed checks and unclaimed benefits.
The Social Security Death Index contains important several important bits of information on 92 million persons whose deaths are on file with the Social Security Administration, including: social security number, date of issuance, state of issuance, date of birth, date of death, last known residence, and payment of final benefit.
Also included are the names of legal aliens with social security numbers, and some 400,000 railroad retirees, who may be entitled to collect Railroad Retirement Board pensions and benefits. For assistance with RRB benefits go to: RRB Search.
To conduct a search for a deceased relatives unclaimed assets and Social Security death benefits complete the form below.
U.S. Federal Government Unclaimed
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Notifying The Social Security Administration
In most cases, a funeral director will report the person’s death to SSA. To ensure the death is reported promptly, a family member can make a report directly to an SSA representative by calling SSA toll-free, 1-800-772-1213 , between the hours of 7:00 a.m. and 7:00 p.m. Monday through Friday. For more information, visit SSA for How Social Security Can Help You When A Family Member Dies.
Getting A Social Security Number For A New Baby
The easiest way to get a Social Security number for your child is at the hospital after they are born when you apply for your childs birth certificate. If you wait to apply for a number at a Social Security office, there may be delays while SSA verifies your childs birth certificate.
Your child will need their own Social Security number so you can:
- Claim your child as a dependent on your income tax return
- Open a bank account in their name
- Get medical coverage for them
- Apply for government services for them
Keep your Social Security card in a safe place to protect yourself from identity theft.
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How To Search For People Using Ssn
If youre trying to search for someone by SSN, read this first as it will help you either perform an SSN Search free, enable you to check SSN validity, perform an SSN Search by number or just a straight forward social security number search by name using a social security records search
Before we dive in to what running an SSN background search, using SSN verify online or the ins and outs of a social security office search, lets look at what an SSN actually is, and what its used for:
Survivor Benefits For Children
To qualify for benefits under your late mothers work record, you must be under age 18 and unmarried. The agency will extend benefits until the age of 19 if you remain unmarried and are still enrolled full time in an elementary or secondary school. The SSA does not extend benefits to college students. That practice was eliminated with a change in the law that went into effect in 1981. You can expect to receive 75 percent of your mothers benefit amount if you qualify for benefits under the Social Security Act.
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Survivor Benefit For Parent
A little-known benefit related to deceased workers is the case of someone who is dependent on their child. A parent, age 62 or older, whose working child provided at least 50 percent of their income may be eligible to receive survivor benefits. The surviving parent cant be receiving retirement benefits that would be greater than the survivor benefits. Also, the parent must remain unmarried to continue collecting benefits.
Where Can I Look At The Ssdi
Almost any LDS Family History Center offers free on-site use of the FamilySearch set of CD-ROMs, which include the Social Security Death Index. This version offers one feature that others do not — it reports foreign death residences.
Several versions of the SSDI are available on the Internet at various genealogy web sites. In addition, several software companies include the SSDI as part of their deluxe programs, or offer it for sale separately.
Be selective as you use different versions of searchable SSDI databases. Try all of them and decide for yourself which is the most flexible, offering you the option to search by first name only, along with birth date, to try to find those females whose married names you don’t know. Use them to find out what happened to your great uncle, you have no idea when he died or where his family went. Search by his name and birth date, and see if a record reveals a location of last residence or location where his benefits were sent.
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Social Security Death Index
The SSDI is a database of death records created from the US Social Security Administrations Death Master File. Listed in the SSDI are most people who:
- Have died since 1936
- Given a social security number
- Death reported to the Social Security Administration.
Since 1973, the SSDI has included 93%-96% of deaths of people 65 years or older. However, there are some important things to remember when determining if a relative is in the SSDI.
- In the early days, the Social Security Act didnt cover all Americans. Teachers, railroad employees, and other municipal employees were covered by other retirement accounts. This is important because the SSDI will likely not have their information.
- Canadian, Mexican, and other nationalities are also included within the SSDI.
- The index includes citizen who wasnt living in the US when they passed.
The SSDI is available for free from many genealogy websites. The SSDI provides genealogists valuable data.
SOCIAL SECURITY DEATH INDEX DATA
- Given name, surname, and middle initial
- Date of Birth
- Applicant signature
Get Ssa Benefits While Living Overseas
U.S. citizens can travel to or live in most, but not all, foreign countries and still receive their Social Security benefits. You can find out if you can receive benefits overseas by using the Social Security Administrations payment verification tool. Once you access the tool, pick the country you’re visiting or living in from the drop-down menu options.
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When Loved Ones Die Their Identity Is There For The Taking
Identity thieves steal Social Security numbers from the Master Death List.
May 8, 2012 — Alexis Agin was 4 years old when she died last year from a brain tumor. As her parents grieved their daughter’s loss, someone else paid attention to the details of her death too.
An identity thief was easily able to get Alexis’ personal information after she died. Her parents had no inkling until they went to file their taxes. Then, to their astonishment, they learned that someone else had already filed a tax return, using Alexis’ Social Security number and claiming her as a dependent.
The Agins soon learned they were one of many. “Within an hour of learning that my daughter’s Social Security number had been compromised and stolen,” said Jonathan Agin, “no fewer than 14 other parents whose children passed away due to cancer contacted us and advised us that their children’s Social Security numbers likewise had been stolen.”
Americans are told to jealously guard their Social Security numbers, but after one dies, the government goes public with that coveted information. It is all included on a Master Death List.
“Within 30 seconds of learning that my daughter’s Social Security number had been stolen, I went online and found her Social Security number,” Agin told ABC News. “All the information is there.”
Today on Capitol Hill, the House Ways and Means’ Subcommittees on Social Security and Identity Theft held a hearing on this growing problem.
Documents You Need To Apply
Please select the benefit you will be applying for from the list below to see what information and documents you may need when you apply:
If you don’t have all the documents you need, don’t delay applying for Social Security benefits.
In many cases, your local Social Security office can contact your state Bureau of Vital Statistics and verify your information online at no cost to you. If we can’t verify your information online, we can still help you get the information you need.
Mailing Your Documents
If you mail any documents to us, you must include the Social Security number so that we can match them with the correct application. Do not write anything on the original documents. Please write the Social Security number on a separate sheet of paper and include it in the mailing envelope along with the documents.
Can You Provide A Copy Of A Deceased Persons Social Security Number Application For Genealogical Research
We will be pleased to give you information about a Social Security number record. However, we charge a fee when an individual asks for information for a purpose that does not directly relate to the administration of a Social Security program. The fee depends upon the format of the information, and whether or not you know the Social Security number.
We can send you a photocopy of an original Application for a Social Security Card or a computer extract of information from the form. In recent years, we recorded information from original SS5s onto computer record and advised agencies that require photocopies of SS5s that we will furnish computer extracts instead. The agencies agreed this information is sufficient to establish delayed birth certificates, get passports or process any requests for which we previously required a photocopy of the SS5.
To proceed, make an electronic Request for Deceased Individuals Social Security Record. Or, print and complete Form SSA-711 and send us a check or money order for the appropriate fee, made payable to the Social Security Administration. If you prefer, you may pay by credit card. To pay by credit card, you also must complete and sign Form SSA-714.