How to notify Social Security of a death

Why this matters

Social Security must be notified promptly. Failing to notify means continued payments are sent that must later be returned, sometimes with collection action. Notification also starts the process for the one time death payment and survivor benefits.

Step by step

1. Most funeral homes report deaths to Social Security automatically as a courtesy. Confirm with yours that they will do this.
2. If the funeral home does not, call Social Security at 1-800-772-1213 (TTY 1-800-325-0778). You cannot report a death online.
3. You will need: the deceased's Social Security number, date of birth, date of death, and place of death.
4. If the deceased was receiving Social Security benefits, the payment for the month of death must be returned (Social Security does not pay a partial month).
5. Apply for the one time $255 death payment, which goes to a surviving spouse or to a child eligible for benefits.
6. Apply for survivor benefits if you are a surviving spouse, surviving divorced spouse (in some cases), or dependent child. Use Form SSA-10 (spouse) or SSA-4 (child).
7. Get a receipt confirmation. Write down the date you called and the representative's name in case there is any question later.

Forms you will need

• SSA-10 (Application for Widow's or Widower's Insurance Benefits)
• SSA-4 (Application for Child's Insurance Benefits)
• SSA-721 (Statement of Death by Funeral Director)

State by state notes

Social Security is federal and works identically in every state.

Common mistakes to avoid

• Waiting too long. Continued payments must be returned and can take months to sort out.
• Assuming the funeral home reported it. Always confirm or call yourself.
• Not applying for survivor benefits within 6 months. Benefits can only be paid retroactively for 6 months in most cases.

What to do if you get stuck

If you cannot reach Social Security by phone, visit a local SSA office in person. Make an appointment first through 1-800-772-1213 or ssa.gov.