AARP applauds Supreme Court decision to uphold ACA health subsidies for all states. Learn more

AARP's Social Security Q&A Tool

After my mother died, I found uncashed Social Security checks that had been issued to her. Can we cash them?

En español | Federal law requires that Social Security checks be cashed or deposited within one year of the date of issue. Uncashed checks are void after that time.  

The Treasury Department has a process for filing a claim for replacement of amounts due a deceased beneficiary.  This process must be completed within 6 years of the check being issued.  If you can cash the checks you will not be able to keep the money.  

By law, the money would belong to the deceased's estate. If the estate has already gone through probate, there are legal procedures for reopening the probate to distribute the money to the proper heirs.

submit a question to
aarp experts

Didn’t see the answer to your question? Help us improve the tool by submitting your Social Security question. Go


Search Social Security Q&A Tool

Enter a keyword to get all the answers to your Social Security questions.


Discounts & Benefits

From companies that meet the high standards of service and quality set by AARP.

UPS Store membership discount aarp benefits

Members save 15% on eligible products/services, 5% on UPS shipping at The UPS Store®.

membership adt

Small business owners save 20% on new installation of any new ADT security system.

Man using cell phone outdoors

Members save on monthly service & usage fees and get free activation with Consumer Cellular.

Member Benefits

Renew today! Members receive exclusive member benefits & affect social change.