Yes, your deceased return will need to be paper filed. If your spouse died in 2020, then you file a joint return for 2020, unless you remarried.
Each situation is unique. I recommend you run through the IRS How Do I File a Deceased Person program. It is very detailed and will tell you exactly what is best for your situation.
I am very sorry for your loss.
IND-941 IRS reject -- The Spouse SSN in the Return Header has been locked because Social Security Administration records indicate the number belongs to a deceased individual.
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