Agreed, plus, with disability income or social security, etc. You start getting payments the month after you apply. Eg, if someone passed in July, their still entitled to the payment in Aug. Say they applied in March and are eligible in March, their first payment doesn't come until April. It's always paying in arrears. Most people don't know when a social security payment is clawed back, the beneficiaries are still entitled to that money. (assuming death was reported at the proper time, etc)
