Notifying the Social Security Administration when a loved one dies is one of those things you should see to quickly. There’s no penalty for not reporting immediately, but if the deceased was collecting benefits and if any payments are received after the date of death, his estate must return the money to the government. If you are a survivor entitled to benefits, you will want to start this process sooner rather than later.
Ask the Funeral Director to Contact the SSA
The easiest way to report a death to the Social Security Administration is to ask the funeral director to take care of it for you. Just provide your loved one’s Social Security number. He can only report the death, however. If survivors are entitled to benefits, they must take further steps on their own.
Call the Social Security Administration Yourself
You can report a death or apply for survivors' benefits by calling the SSA’s toll-free number, 800-772-1213, between 7 a.m. and 7 p.m. Monday through Friday. You can also visit or call the nearest Social Security office. The SSA will not allow deaths to be reported online and applications for survivors' benefits must be done by phone or in person at an SSA office. At the very least, a surviving spouse is entitled to a one-time payment of $255 as of 2018, and may be eligible for ongoing benefits as well, depending on your circumstances.