Navigating financial tasks after losing a loved one creates tremendous stress, especially when sorting through federal benefits. The Social Security lump-sum death payment provides a direct cash benefit to eligible surviving family members, but strict rules govern who qualifies and how you must claim it. Many families assume this benefit automatically arrives or covers major funeral expenses, only to discover a frozen payout amount and a rigid application timeline. Understanding the real eligibility priority, strict two-year filing deadline, and direct phone-application requirements prevents lost benefits during a vulnerable moment. Here are the ten vital facts every family needs to know about the $255 Social Security death benefit.