what to do when a spouse dies checklist pdf

2.1 Clarifying Funeral or Burial Plans

Review any pre-arranged funeral plans or discuss the deceased’s wishes with family. Determine the type of service, location, and budget. Consider burial, cremation, or memorial options. If unsure, seek guidance from a funeral director to ensure arrangements align with the spouse’s preferences and legal requirements.

2.2 Making Arrangements for the Deceased’s Property and Pets

Secure the deceased’s property by locking doors and setting alarms. Arrange care for pets if applicable, either temporarily or permanently. Transfer ownership of shared property or assets as needed. Forward mail and manage utilities to prevent disruptions. Ensure all arrangements respect the spouse’s wishes and legal requirements.

Financial and Legal Tasks

Secure certified copies of death certificates, locate the will, and identify the executor. Meet with a trusts and estates attorney and contact a CPA for tax guidance.

3.1 Securing Certified Copies of Death Certificates

Obtain multiple certified copies of the death certificate, as they are essential for legal and financial processes. Contact the funeral home or local authorities to request copies. These documents are required for insurance claims, estate matters, and other official procedures. Order 10-15 copies to ensure you have enough for all necessary transactions and notifications.

3.2 Locating the Will and Identifying the Executor

Locate the will to determine the deceased’s wishes and identify the executor. Check safe deposit boxes, filing cabinets, or with the attorney who drafted the document. The executor is responsible for carrying out the estate’s instructions. If the will is missing or contested, consult a trusts and estates attorney to navigate the legal process and ensure proper distribution of assets.

3.3 Meeting with a Trusts and Estates Attorney

Consult a trusts and estates attorney to understand the legal process and ensure compliance with the will or estate laws. They can help review the will, guide probate processes, and address any legal questions. This meeting is crucial for clarifying asset distribution and resolving potential disputes. Bring all relevant documents and ask questions to ensure a smooth transition of responsibilities.

Government Benefits and Insurance Claims

Notify life insurance companies and file claims. Apply for survivor benefits, such as Social Security, and update relevant government records to reflect the spouse’s passing.

• Contact life insurance providers for claims.
• Apply for survivor benefits promptly.
• Update government records to avoid discrepancies.

4.1 Notifying Life Insurance Companies

Contact life insurance companies promptly to initiate claims. Submit required documents, such as certified death certificates and policy information. Ensure all forms are completed accurately to avoid delays. Follow up to confirm receipt and processing of claims. Keep copies of all correspondence for your records.

• Submit death certificates and policy details.
• Complete claims forms thoroughly.
• Track progress to ensure timely payout.

4.2 Applying for Survivor Benefits

Apply for survivor benefits through government programs like Social Security or Veterans Affairs, if applicable. Gather required documents, including death certificates and marriage proof. Submit applications promptly and follow up to ensure processing. These benefits can provide financial support during a difficult time.

• Check eligibility for benefits;
• Gather necessary documents like marriage certificates.
• Submit applications and monitor progress.

Handling Shared Assets and Accounts

Transfer titles, deeds, and update joint bank accounts and policies to reflect the spouse’s passing. Notify financial institutions and relevant authorities to ensure smooth transitions.

• Transfer ownership of shared assets.
• Update account details with financial institutions.
• Notify all relevant parties of the change.