Every year I file taxes with turbo tax for my inlaws. My father-in-law passed in 2019 and the return was rejected with IND-031-04.
I read a forum from last year where the solution was to put the surviving spouse name first. As soon as I did this it was accepted.
https://ttlc.intuit.com/community/taxes/discussion/rejected-2019-return-based-on-my-deceased-spouse-...
Others from last year reported that submitting on Freetaxusa.com they efiled and it was accepted. I don't know why the problem is happening with turbo tax. Seems like they should fix the problem if there were 13 pages last year with multiple people having the same problem. And more people having the problem this year. Try putting the living spouses name first and report if the return was accepted so others will know. Good luck all!
