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Start by talking to the bank. If they provide "early deposits," then this may be perfectly legal. If they do not, then talk to social security or talk to a lawyer who specializes in elder law.
When is your Moms birth day? Mine is near the end of the month so I get my payment the 4th Wed of the month that covers the month before. There is no early checks. My husbands birth day falls in the first week of the month so his payment is received the first week.
I think her payment was pulled too soon and she is entitled to it.
I suspect this deposit was an early payment for May. The 4th Wednesday in April would have been the 23rd, almost a week prior, so it most likely wasn't the March payment made in April. She was probably one of those receiving SS payments on the 1st of the month and it was credited early.
You bring up an interesting point! Banks have been competing to provide the earliest payment date. SSI is “due” on the first of the month, and the earliest SSA payment is “due” on May 2nd (usually due on the 3rd, unless the 3rd falls on a weekend). If the April 29th payment was “due” on the 1st or 2nd, the check needs to be withdrawn from the bank account and is not payable to the estate of the deceased.
Your mom is entitled to this check because checks are issued a month behind (so it was for March 2025, and she was alive the entire month). The second issue is whether the check due date was after the date of death (in this case, she received the check on April 29 and then died on April 30, so the bank will not return the check).
If a check is returned to bank because SSA must determine to whom the check is to be issued, you must file SSA-1724. Note: if a check is deposited into a joint account with a spouse, the bank will not return the check and the SSA-1724 is not required.
Contact her Social Security office. Since payments occur one month behind, the April payment for March is hers. But further payments must be stopped.
My mother’s SS payments came in November 1st, her birthday. She passed away on Nov 20th, 2014, so she kept her last payment, backdated to Oct. The Dec. payment was stopped.
When my Dad passed on October 19th, they made Mom give back his social security check for October. It was his very first check. The SS office said in order to keep the money, a person has to live all the way thru the month. Same with my Aunt. So, I think they will want April's money returned since she didn't live until May 1st.
So sorry for your loss. And yes, they will absolutely retract it from your mom’s bank account. My mom passed one day before her as check sent into her account and a couple of weeks later, it was gone.
Sorry for the loss of your mom. I was told that the payment has to be returned on the death month. My mom died on February 22nd I stopped the check for March. I received a letter telling me to return the overpayment for February. I received another letter telling me I didn't owe any money. They are very disorganized.
My mother's last payment was sent back by the bank. I had to file a form with SSA. When on a phone call with SSA for the death benefit for my dad, they said banks are too quick to return payments. I had immediately called the bank. Nothing we could do but file the form with SSA which they sent to us a month after. Form SSA-1724-F4 (10-2024) Claim for amounts due in the case of a deceased beneficiary My mom passed Jan 2025. I sent the form Feb 2025 and have yet to see the payment. Of course SSA personnel have been cut so not sure I can even find out status.
My mom's check always appeared 4 days before it was an actual deposit, so the credit union sent it back when she died, it hadn't posted as a deposit, then SSA sent a long form with 8 or 9 pages of questions about heirs, all the way to great grand kids, addresses, social security #s etc. for the family to get that last check. They can keep it, it costs more than it is worth when you have to go that route, imo.
Personally, I think they intentionally make it hard, the banks and the government and I say, "shame on them!" It's already a very difficult time without their bs processes.
The deposit during a particular month is for the full prior month they were alive. There should not be anything come in May except the $255 death benefit. If a full deposit comes in May the report it immediately.
After my Aunt passed away this past January I called SSA to tell them immediately. Yet for the next 2 months they kept depositing her SSI checks into what used to be her checking acct that we shared jointly so technically it became my money). They (SSA) called me up one day and insinuated there was some type of "fraud" going on and I told them that if they'd bother to look in their records they'd see that I called them immediately to inform them of her death. I told them to go ahead to take the money back out, there was enough cash in there to cover it. The wheels of govt grind ever so slowly.
It’s been my experience with all 4 of our parents that they have taken back that last SS payment when they die that same month . I was told they have to be alive the whole month or SS takes it back . It doesn’t make sense since like said below it’s not paid in advance , but it is what they did. I think they do it assuming you won’t protest .
So because your Mom got a SS check in April and died in April , they took it back , which is wrong . Normally she would not be able to keep the May deposit , I don’t know if it will be different because your mother died the last day of the month .
You need to call SS. That check is for March, Mom died in April so not entitled to May's check.
SS is like having a job, you get paid after you have done the work. April 29 (I get mine the same time of the month) payment is March benefits. Her estate is entitled to that money.
If that check was indeed, which I doubt going in the 29 th. If for April it goes back. It's too bad, she died 2 days "early". Opm is different they would do partial payment, though it would have to go to heirs...which may be a nightmare SS is trying to avoid since they have problems with simple stuff lol.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
I think her payment was pulled too soon and she is entitled to it.
If a check is returned to bank because SSA must determine to whom the check is to be issued, you must file SSA-1724. Note: if a check is deposited into a joint account with a spouse, the bank will not return the check and the SSA-1724 is not required.
My mother’s SS payments came in November 1st, her birthday. She passed away on Nov 20th, 2014, so she kept her last payment, backdated to Oct. The Dec. payment was stopped.
I stopped the check for March. I received a letter telling me to return the overpayment for February. I received another letter telling me I didn't owe any money. They are very disorganized.
My mom passed Jan 2025. I sent the form Feb 2025 and have yet to see the payment. Of course SSA personnel have been cut so not sure I can even find out status.
Personally, I think they intentionally make it hard, the banks and the government and I say, "shame on them!" It's already a very difficult time without their bs processes.
So because your Mom got a SS check in April and died in April , they took it back , which is wrong . Normally she would not be able to keep the May deposit , I don’t know if it will be different because your mother died the last day of the month .
Let us know what happens .
SS is like having a job, you get paid after you have done the work. April 29 (I get mine the same time of the month) payment is March benefits. Her estate is entitled to that money.