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elizabeth1 Asked July 2012

Can Social Security pull a check out of someone's checking account?

My mom passed away on July 2nd. Her SS check was automatically deposited on the 3rd. Evidently the funeral home notified SS that she passed away, which is customary for them to do. By the 8th SS tried to pull the check back out but since I had sent some of her bills off there wasn't enough money left in her account which left her account overdrawn. Also, since there wasn't enough in the account for SS to collect they froze her account!!! After spending hours at the bank, talking to different people at SS (in person and over the phone) I was directed to the US Treasury Dept. (who issues the checks). Now, SS told me that the check was definitly my mother's since she passed away in July,reguardless of how early in the month, as it's for the month of June. The rather unpleasant person at the Treasury Dept. said this is not true!!!! Can someone clear this up?

sguyton83 Jun 2018
My mother died on 5/24/18 but still received a SSA check for the next month. My name is on the account. Will I be in serious trouble if I withdraw the funds for funeral expenses and repay it to SSA a little at a time?

vincecutolo Dec 2016
My mom passed on December 9th,I called SS to report it and they told me the money that went in on December 3rd was ours to keep since she died after the 3rd,if a deposit goes in on January 3rd,the bank will kick it back to SS. Your mom died on the 2nd,so you cant keep her benefits for that month.

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motherof5 Apr 2018
So my mom died on March 20th of 2018...she gets her checks on the 3th of the month..on the 3th is April there was nothing deposit..so I should be good right..she was paid up in memory care center till the 30th..of March but died on 20th of March how does that work..

Chari7 Jun 2016
I can answer this one, because it happened to my mom's account. Mom died on June 1, so her SS check had already been deposited in her checking account. I immediately notified SS of her death, so they withdrew the check. Then, after a couple of weeks, the money appeared in the account, with a letter saying that, because she passed away that early in the money, the money went to the family. The problem the original poster had was that the money was spent while the check was in the process of being taken back because of the death and returned because of the time of the month. So, there was a time when the money was not physically in the bank. That's when I found out that SS can take money out of one's checking or savings account!

The reason I immediately reported my mom's death, even though I knew her check would probably be reimbursed to the family is that a friend of hers "forgot" to report her mother's death to SS and kept on spending the money. When it was discovered, the lady almost had to go to federal prison! She ended up having to repay the money and doing a certain number of community service. Lesson learned! Don't assume anything with the government unless you hear it yourself and see it in writing!

MargieS May 2018
Lonelyperson, the check your husband received on July 3rd was definitely for the month of June, so you are entitled to that check. You are not entitled to the check that was probably paid on August 3rd or so because that was for July, and your husband would have had to live all the way through July to be qualified to receive the July check. Apparently, they take the last check back to make sure that it gets paid to the correct survivor and heir. If they took back the check that your husband received on July 3rd, you need to fill out a form to request that money back.

lonelyperson May 2018
I don't understand why my husband got his s.s on the 3rd of july and he died on the 30 july if that check was for the month of june, why did the pull it back, when he was alive. In june.

Dat1917 May 2018
My mother died on March 31 in the morning. And they took back the ss check. I was told she had to live the whole last day of the month to be entitled to the ss check. I guess that would mean 12 midnight .

Delawaregirl Feb 2018
My dad died on Feb. 2, and I was told that SS can take the SS check back that was paid in March for the month of February. My mom died on Jan 30. They want her SS check back that they issued in February for the month of January. Does a person have to die on the last day of the month to be entitled for the SS benefits for that month? This makes no sense to me. So, if my mom lived one day more she would be entitled to her January benefits? Someone help me understand this.

Midnight53 May 2016
Please people research before you give people advice. Yes SS can take a check back but only for the month they pass. My dad passed May 13th, we keep the check deposited May 3rd but the June 3rd payment must be returned since SS pays one month behind, i.e June check is for May, May check is for April, April check is for March, etc.!!

tvremote Jun 2016
my wife died in dec. ss took her nov. check back ,why?

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