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If you die prematurely , your annuity can offer a death benefit to your beneficiaries without the costs and delays of probate . They are currently the only entity that can provide services to SSA beneficiaries under the traditional SSA VR cost reimbursement payment mechanism , a program that has been in place for more than 20 years and has grown significantly in the recent past . An insurance contract that pays an amount of insurance to a beneficiary if the insured person should die during a specified period of years , or the same amount as an endowment if the insured survives to the end of the specified period . Also , SSA may have determined that the overpayment pertained to another beneficiary on the same record and adjusted the record accordingly . This upfront funding can be used to provide employment and support services to SSA beneficiaries under the Ticket Program while covering expenses incurred by the network in advance of any milestone or outcome payments received from SSA . Accidental Death & Dismemberment insurance coverage provides payment to your beneficiary in the event of an accidental death .