The death benefit is a type of economic benefit that is aimed at partially financing the expenses caused by a death. It can be public or private assistance.
In situations of death of a person, the death benefit is an economic support destined to defray the expenses of burial or burial. It can be granted by the State, but this is not always the case.
Although this form of provision is commonly assumed by public entities such as Social Security, there are private entities specialized in this type of financing service.
It is a procedure of the Administration in most cases, so it must be requested after the burial through administrative means.
The documentation must be accompanied by invoices detailing the expenses incurred for the burial in question.
Main characteristics of death assistance
It is necessary to point out that the compensation carried out through this assistance is partial. That is, it does not cover all the expenses generated in burial cases.
In this sense, because it is not usually large or sufficient amounts to fully cover the costs, it is not a highly requested service.
For the reasons explained, it is common to have private insurance policies that serve to defray this type of cost in the future. This is the case of the so-called death insurance.
This type of benefit entails a series of specific requirements to be taken into account:
- High official. The different countries require that the deceased person be recorded as a participant in the Social Security of each territory.
- Current situation. In cases of debt with the public coffers due to non-payment of quotas corresponding to Social Security, it is not possible to request assistance.
- Previous beneficiary. There are cases in which the deceased already received in life some other public compensation related to health. This is the case of disabilities, risks of pregnancy or certain diseases.
- Not subject to widow’s benefits. The beneficiaries of this aid cannot make it compatible with an aid benefit.
- Limit period. Depending on each Administration, the application period varies, although it can cover up to five years after death.
- Requesting subjects. This benefit must be requested by the spouse or common-law partner of the deceased individual, as well as by their descendants. If these do not exist, the responsibility falls on the parents.
Other aspects to consider
Sometimes there are cases of deceased who had no formal or family relationship with their cohabitants. They can apply for death assistance if they have had to pay the appropriate burial expenses.
In the latter case, each Administration must determine and verify who has borne the burial expenses to formally approve the granting of the death benefit.
On the other hand, this type of benefit is denied in cases in which the deceased person was officially recorded as such beforehand. This is also the case in examples of missing persons.