Notifying Social Security and claiming survivor benefits
How to report a death to the SSA, what survivor benefits exist, and what documents you will need.
7 min read
The Social Security Administration learns about most deaths through the funeral home, which is why funeral directors ask for the deceased person’s Social Security number. Even so, you should confirm the report; benefits cannot be paid for the month a person dies, and any payment received for that month must be returned (Social Security Administration [SSA], 2024a).
How to notify SSA
You cannot report a death online. Most funeral homes will report it for you when given the Social Security number; otherwise, call SSA at 1-800-772-1213 (TTY 1-800-325-0778) (SSA, 2024a).
Survivor benefits to ask about
A surviving spouse or minor child may receive a one-time lump-sum death payment of $255 if eligibility requirements are met. Monthly survivor benefits may also be available to a surviving spouse, divorced spouse, dependent children, or dependent parents, depending on work history and age (SSA, 2024b).
Eligibility and amounts depend on the deceased person’s earnings record and the survivor’s age and relationship. Apply by phone or in person; appointments are recommended.
Documents to have ready
Certified death certificate, the deceased person’s Social Security number, your own Social Security number, marriage certificate (for spouses), birth certificates for dependent children, and the deceased person’s most recent W-2 or self-employment tax return (SSA, 2024b).
Start your survivor checklist
NextStep generates a personal survivor benefits checklist based on your situation and the documents you already have.