After the loss of a loved one, navigating administrative tasks can feel overwhelming—but notifying the Social Security Administration (SSA) is a critical step that shouldn't be delayed. Contacting Social Security after a death ensures that benefits are adjusted correctly, helps prevent identity theft, and initiates the process for any survivor benefits that may be owed. Failing to notify the SSA in a timely manner can result in legal and financial complications. This guide walks you through exactly how to report a death to the SSA and what documentation you’ll need to prepare.

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Why It's Important to Notify the Social Security Administration

The Social Security Administration must be informed promptly when a Social Security recipient dies. Here’s why:

1. Prevent Overpayments: Social Security benefits are not paid for the month of death. For example, if someone dies in July, the payment received in August (for July) must be returned. Notifying the SSA helps stop future payments before overpayments occur.
   
   
2. Avoid Identity Theft: Sadly, deceased individuals are often targeted for identity theft. Officially notifying the SSA helps protect against fraudulent use of the deceased's Social Security number.
   
   
3. Access to Survivor Benefits: Surviving spouses, children, or dependents may be eligible for survivor benefits. The sooner the SSA is notified, the sooner the process of applying for these benefits can begin.

Step-by-Step: How to Contact the SSA After a Death

Step 1: Gather the Necessary Information

Before you call or visit the SSA, it’s important to have the following information on hand:

• The deceased’s full legal name
• Social Security number
• Date of birth
• Date of death
• Place of death
• Your relationship to the deceased
• Name and contact information for the funeral home (if applicable)

You may also need a certified copy of the death certificate, though this is typically handled after the initial notification.

Step 2: Determine Who Should Notify the SSA

Generally, the funeral director will report the death to the SSA if you provide them with the deceased's Social Security number. Most funeral homes handle this as part of their services, so be sure to ask them if this step will be taken care of.

If the funeral home does not report the death—or if you're unsure—it’s your responsibility as the next of kin, executor, or legal representative to notify the SSA directly.

Step 3: Call the Social Security Administration

The SSA does not accept death notifications online. You must call them directly at:

📞 800-772-1213 (TTY: 800-325-0778)

Representatives are available Monday through Friday from 8:00 a.m. to 7:00 p.m. local time. If you're calling on behalf of someone else, be prepared to verify your identity and your relationship to the deceased.

Step 4: Visit a Local SSA Office (If Necessary)

While most death notifications can be handled over the phone, certain cases—especially those involving survivor benefits—may require a visit to your local SSA office. You can locate your nearest office by visiting the SSA Office Locator.

Bring the following documents with you:

• Your government-issued ID (driver’s license, passport)
• The deceased’s death certificate (certified copy)
• The deceased’s Social Security card (if available)
• Proof of your relationship to the deceased (marriage certificate, birth certificate, etc.)
• The deceased’s most recent W-2 forms or tax returns (if applying for benefits)

Appointments are not required but are recommended to reduce wait times.

Step 5: Return Any Payments Received After Death

If any Social Security payments are received after the date of death—typically via direct deposit—the SSA must be informed, and the funds must be returned. The financial institution is usually notified and will return the funds automatically, but it’s wise to double-check with the bank or credit union where the deposits were made. Do not spend or withdraw these funds, as doing so may lead to legal complications.

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Who is Eligible for Survivor Benefits?

Once the death has been reported, certain family members may be eligible for monthly survivor benefits, including:

• A widow or widower age 60 or older (or 50 if disabled)
• A widow or widower at any age if they are caring for the deceased’s child who is under 16 or disabled
• Unmarried children under 18 (or up to age 19 if still in high school)
• Children of any age who were disabled before age 22
• Dependent parents age 62 or older

There is also a one-time lump-sum death payment of $255 that may be paid to the surviving spouse or, if none, a qualifying child.

In the days following the loss of a loved one, contacting government agencies may feel daunting—but it's a necessary part of closing financial and legal affairs. Fortunately, the Social Security Administration has processes in place to support families during this time.

Take time to gather the needed information, make the call, and follow up if additional documentation is required. By acting promptly, you help protect the estate, prevent fraud, and ensure any eligible family members can access benefits due to them. It’s a simple but meaningful way to honor your loved one’s legacy by taking care of the responsibilities they can no longer manage.

Reach out to Elayne if you need additional post-loss support as you navigate this difficult time. 

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