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Checklist: What To Do After Someone Dies

Losing a loved one is overwhelming, and the number of tasks to handle afterward can feel daunting. This checklist walks you through the essential steps, ensuring everything is handled at the right time and in the right way.

You do not need to do everything at once. Take things step by step. If possible, delegate tasks to other family members or professionals to ease the burden.

Table of Contents

Section 1: What To Do Right Away

These are the first steps to take in the first 24 to 72 hours. Focus on confirming the death, notifying the right people, caring for immediate needs, and protecting the home, belongings, dependents, and pets.

If the person passed away at home, call 911 or their hospice provider to obtain an official pronouncement of death. If they passed away in a hospital or care facility, the staff will usually handle this.

How to do this:

  • If the person passed away at home, call 911 or their hospice provider to obtain an official pronouncement of death.
  • If they passed away in a hospital or nursing home, the staff will typically handle this.
  • If suspicious circumstances are involved, the police or coroner may investigate.

Why it matters:

  • The official time and cause of death must be documented for legal and medical records.
  • Some deaths require an autopsy or investigation before proceeding with funeral arrangements.
  • The pronouncement of death is necessary to obtain a death certificate, which will be required for handling legal, financial, and estate matters.

A doctor, nurse, or medical examiner will issue this document. It is required before obtaining an official death certificate, which you will need for legal and financial matters.

How to do this:

  • A doctor, nurse, coroner, or medical examiner must confirm the death and issue a verification document.
  • If the person was in hospice, a hospice nurse can provide this.
  • Request multiple copies of the official death certificate from the funeral home or vital records office.

Why it matters:

  • A death certificate is legally required for handling estate, financial, and insurance matters. Ensure that the state of residence is listed accurately on the death certificate in addition to where the passing occurred.
  • Many institutions (banks, government agencies) require an original or certified copy before releasing information or assets.
  • You will need several copies (typically 10–15), as different institutions require their own official copy.

If the deceased registered as an organ donor, notify the hospital or the appropriate donation organization immediately as their organs must be recovered quickly. If they had pre-arranged body donation for medical research, follow their instructions or contact the designated program.

How to do this:

  • Check advance directives, or state donor registries to see if the deceased was an organ donor.
  • If they were enrolled in a medical research or whole-body donation program, contact the appropriate institution immediately.
  • If unsure, ask the hospital or hospice for guidance.

Why it matters:

  • Organs must be retrieved quickly (often within hours) to be viable for transplantation.
  • If they arranged for body donation, the program typically covers transportation and cremation costs.
  • If donation is not pre-arranged, the family must decide quickly whether to approve it.

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If no prearrangements were made, you will need to choose a funeral home, cremation service, or transport provider to move the body. If death occurred out of state, special transport may be required.

How to do this:

  • If the person dies at home (expected death): A hospice nurse or attending physician will typically make arrangements with the pre-selected funeral home or cremation provider. If no provider is chosen, the family must contact one.
  • If the person dies at home (unexpected death): Call 911. Emergency responders will determine if an investigation is needed. If no autopsy is required, a funeral home or mortuary must be contacted to transport the body.
  • If the person dies in a hospital or nursing home: The facility’s staff will handle initial procedures and coordinate with the family’s chosen funeral home. If no arrangements were made, the family will need to select one.
  • If the death occurs out of state or overseas: The family must hire a funeral home or transportation service that specializes in repatriation (body transport). The U.S. Embassy can assist with arrangements for international transport.

Why it matters:

  • The body must be properly stored and cared for until burial or cremation.
  • If death occurred in another location, transportation can be costly and complex, so early planning is critical.
  • Some states require a transport permit before the body can be moved.
  • In cases of suspicious or accidental death, a coroner or medical examiner may need to approve the release of the body before transport.

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Reach out to immediate family first, then close friends. Consider appointing a trusted family member to help inform extended family and social contacts.

How to do this:

  • Start by informing immediate family members before notifying extended relatives and close friends.
  • If the loss is unexpected, have a trusted person help with phone calls or messages.
  • Consider using a group message, social media post, or online memorial page for broader announcements.

Why it matters:

  • Notifying loved ones helps provide emotional support and allows them to participate in funeral planning.
  • Close family members may need to take time off work or make travel arrangements.
  • In cases of estranged relationships, be thoughtful about who should be informed and how.

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Reach out to immediate family first, then close friends. Consider appointing a trusted family member to help inform extended family and social contacts.

How to do this:

  • Start by informing immediate family members before notifying extended relatives and close friends.
  • If the loss is unexpected, have a trusted person help with phone calls or messages.
  • Consider using a group message, social media post, or online memorial page for broader announcements.

Why it matters:

  • Notifying loved ones helps provide emotional support and allows them to participate in funeral planning.
  • Close family members may need to take time off work or make travel arrangements.
  • In cases of estranged relationships, be thoughtful about who should be informed and how.

Lock doors and windows, take valuables to a secure location, and set up mail forwarding to prevent mail pile-ups that could attract criminals. If the home will be unoccupied, notify the local police or neighbors to keep an eye on the property.

How to do this:

  • Lock all doors and windows to prevent break-ins.
  • Remove valuables (jewelry, cash, important documents) and store them in a safe place.
  • Set up mail forwarding to an executor or trusted family member to prevent identity theft.
  • If the home will be vacant, notify local police or trusted neighbors to watch over the property.

Why it matters:

  • An empty home can be a target for break-ins, squatters, or theft.
  • Mail piling up can be a sign that no one is home, increasing security risks.
  • Valuables need to be accounted for before probate or estate distribution begins.

If the deceased had minor children or dependent adults, ensure temporary care arrangements are in place while long-term guardianship is sorted out.

How to do this:

  • If the deceased was responsible for minor children or dependent adults, arrange for temporary care with trusted family or friends.
  • Review legal guardianship documents to determine who is the designated caregiver.
  • If no guardian was named, the court may appoint one—contact a family law attorney for guidance.

Why it matters:

  • Children and dependents should not be left without proper care, even temporarily.
  • If no legal guardian is designated, custody disputes can arise.
  • Certain benefits (Social Security, pensions) may transfer to dependents, so their needs must be legally addressed.

Make sure pets are fed and cared for. If no caregiver was designated in the will, arrange for a temporary foster or permanent home. Some pet charities offer rehoming services.

How to do this:

  • Ensure pets have food, water, and immediate care.
  • If no one can take them, place them in a boarding facility or foster home until permanent arrangements are made.
  • Check the deceased’s will or pet trust to see if they designated a guardian or financial support for their care.

Why it matters:

  • Pets can become neglected or abandoned if care arrangements are not made.
  • Some states allow pet trusts, ensuring financial support for a pet’s lifetime care.
  • If no guardian is designated, animal shelters or rescues may help with rehoming.

Remove perishable food, take out the trash, and ensure the home remains in good condition. If the deceased lived alone, consider having someone stay in the home temporarily.

How to do this:

  • Dispose of food, take out trash, and check the fridge to prevent odors or pest issues.
  • Turn off stoves, space heaters, and running faucets to avoid potential hazards.
  • Ensure bills (electricity, water) remain paid if the home will stay occupied.

Why it matters:

  • Unattended food can lead to rotting, mold, and pest infestations.
  • Leaving the home unchecked could lead to frozen pipes, gas leaks, or fires.
  • If the home remains occupied by another family member, they may need utilities updated in their name.

You will likely need certified copies of the death certificate to handle many legal, financial, and administrative tasks. It is usually easier to order enough copies early than to request more later.

How to do this:

  • Ask the funeral home, cremation provider, or local vital records office how to order certified copies.
  • Order multiple certified copies, since banks, insurance companies, and government agencies often require their own copy.
  • A general guideline is to order around 10 or more copies, depending on the size and complexity of the estate.
  • Review the death certificate carefully for accuracy, including the person’s name, date of birth, date of death, and state of residence.
  • If there are errors, ask how to request corrections before using the document.

Why it matters:

  • Certified death certificates are required to access financial accounts, claim benefits, transfer property, and settle the estate.
  • Errors can cause delays and complications across multiple institutions.
  • Having enough copies on hand can save time, reduce stress, and prevent repeated requests later.

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Section 2: Look for Instructions and Important Information

Before making major decisions, look for any plans, documents, or instructions the person left behind. This can help you understand their wishes, identify who has authority to act, and make more informed choices about funeral, burial, cremation, or memorial arrangements.

Before making funeral or memorial decisions, check whether the person left behind an estate organization system that gathers important information, documents, wishes, and instructions in one place. This might be a binder, folder, fireproof box, digital vault, or a more structured system such as the CLEAR Kit.

How to do this:

  • Look for a labeled binder, folder, organizer, lockbox, or digital file in the home, office, or safe deposit box.
  • Check filing cabinets, desks, bedside tables, home safes, password managers, and other secure storage locations.
  • Ask a spouse, adult child, executor, attorney, financial advisor, accountant, or close friend whether they know if the person kept important information in one place.
  • Review the system for funeral wishes, legal documents, key contacts, insurance information, account details, passwords, and practical instructions.

Why it matters:

  • An estate organization system can save valuable time when decisions need to be made quickly.
  • It may contain the information you need to carry out the person’s wishes and handle next steps with more confidence.
  • Having documents and instructions in one place can reduce confusion, prevent missed details, and make a difficult time a little more manageable.

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Look for a will, trust, or other planning documents that explain the person’s wishes and who is responsible for handling their affairs. These documents can guide decisions about funeral arrangements, property, finances, and more.

How to do this:

  • Check for a will, trust, or other planning documents in any estate organization system, safe, filing cabinet, or digital storage.
  • Ask an attorney, financial advisor, or trusted family member if they know whether a will or trust exists and where it is stored.
  • Look for the most recent version of the document, including any updates or amendments.
  • Review the documents to identify key roles, such as the executor, personal representative, or trustee.

Why it matters:

  • A will or trust outlines how the person wanted their assets handled and who is responsible for carrying out those instructions.
  • These documents can help reduce confusion, prevent disputes, and guide important decisions.
  • Knowing whether a plan exists early can save time and help ensure the person’s wishes are followed.

After a death, not everyone has the legal authority to make decisions or handle the person’s affairs. Identify who is authorized to act so responsibilities are clear and important steps can move forward without confusion.

How to do this:

  • Review the will or trust to see who is named as the executor, personal representative, or trustee.
  • If no documents are available, determine who would typically have authority under state law, which is often a spouse or closest next of kin.
  • Confirm whether the person named is willing and able to act, and make sure others know who is taking the lead.
  • If there is uncertainty or disagreement, consider contacting an attorney or local probate court for guidance.

Why it matters:

  • Only certain people have legal authority to access accounts, make decisions, and handle estate matters.
  • Clarifying this early helps avoid delays, confusion, and potential conflict among family members.
  • Knowing who is responsible allows other tasks, such as financial notifications and estate administration, to move forward more smoothly.

Before making final arrangements, check whether the person left instructions about how they wanted to be remembered. These wishes may cover burial or cremation, the type of service, religious or cultural preferences, and other personal details.

How to do this:

  • Check any estate organization system, will, trust, or personal documents for written funeral or memorial instructions.
  • Look for notes, letters, or planning worksheets that describe preferences for burial, cremation, donation, or other options.
  • Ask close family members or friends whether the person shared their wishes in conversations.
  • Review any prepaid funeral, cemetery, or cremation arrangements that may already be in place.

Why it matters:

  • Following the person’s wishes can provide comfort and help ensure their preferences are respected.
  • It can also make decisions easier and reduce uncertainty during an already difficult time.
  • Knowing what was already planned can prevent duplicate arrangements or unnecessary costs.

Before making final arrangements, check whether the person left instructions about how they wanted to be remembered. These wishes may cover burial or cremation, the type of service, religious or cultural preferences, and other personal details.

How to do this:

  • Check any estate organization system, will, trust, or personal documents for written funeral or memorial instructions.
  • Look for notes, letters, or planning worksheets that describe preferences for burial, cremation, donation, or other options.
  • Ask close family members or friends whether the person shared their wishes in conversations.
  • Check for any prepaid funeral, cemetery, or cremation arrangements that may already be in place.

Why it matters:

  • Funeral and disposition decisions often need to be made quickly.
  • Following the person’s wishes can provide comfort and reduce uncertainty.
  • Knowing what was already planned can prevent duplicate arrangements or unnecessary costs.

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Religious, cultural, and family traditions can shape what needs to happen after a death, sometimes very quickly. Before final plans are made, take time to consider any beliefs, customs, or expectations that may affect timing, body care, services, burial, cremation, or mourning practices.

How to do this:

  • Talk with close family members about any religious, cultural, or family traditions the person followed or would have wanted honored.
  • Check for written instructions in any estate organization system, funeral planning documents, or personal notes.
  • Contact clergy, spiritual leaders, or cultural community leaders if you need guidance about customs, timing, or required practices.
  • Consider whether there are traditions related to washing or preparing the body, visitation, burial timing, cremation, dress, food, prayers, or memorial gatherings.

Why it matters:

  • Some traditions affect what must happen immediately or within a short period of time.
  • Reviewing these traditions early can help avoid conflicts, delays, or decisions that go against the person’s values or beliefs.
  • It can also help families create arrangements that feel more meaningful, respectful, and supportive during a difficult time.

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In addition to a will, the person may have created a trust to manage some of their assets. If a trust exists, the trustee, not the executor, is often the person responsible for handling those assets and carrying out the terms of the trust.

How to do this:

  • Look for trust documents in any estate organization system, safe, filing cabinet, home office, lockbox, or digital storage.
  • Check folders, binders, and account statements for words like “trust,” “revocable trust,” “living trust,” or “trustee.”
  • Review bank, investment, and property records to see whether any assets appear to be owned by a trust.
  • Ask a spouse, adult child, close family member, or trusted advisor whether they know if a trust was ever created.
  • If you find a trust, review it to identify the trustee, any successor trustees, and the contact information for the attorney or other professional who helped prepare it.

Why it matters:

  • Some assets may be controlled by a trust rather than a will.
  • The trustee has legal authority to manage and distribute trust assets according to the trust’s terms.
  • The trust document may also point you to the attorney or advisor who helped create the plan, which can make the next steps easier to understand and manage.

Section 3: Make Funeral and Memorial Plans

Once you have looked for any instructions and understand the person’s wishes, the next step is to make funeral, burial, cremation, memorial, or other final arrangement plans. This section helps you work through the practical decisions and details involved.

One of the first major decisions after a death is what will happen to the body. If the person did not leave clear instructions, you may need to choose between burial, cremation, water cremation, donation, a home funeral, or another option based on their values, budget, timing, and any religious or cultural considerations.

How to do this:

  • Start by checking whether the person left written instructions or shared clear wishes about burial, cremation, donation, or other final arrangements.
  • Learn the main options available in your area, since not every option is offered in every state or by every provider.
  • Consider practical factors such as cost, timing, transportation, environmental preferences, family traditions, and whether a public service or viewing is planned.
  • If you are considering home funeral care, body donation, water cremation, green burial, or scattering, make sure you understand the legal and logistical requirements before making a final decision.
  • Ask questions before agreeing to services so you understand what each option includes and what additional arrangements may still be needed.

Why it matters:

  • This decision affects nearly every next step, including which providers you need, what the timeline looks like, and what the total cost may be.
  • Some options have legal, medical, religious, or timing requirements that need to be addressed right away.
  • Choosing an option that reflects the person’s wishes and your family’s needs can make the rest of the planning process clearer and more manageable.

Once you have decided on burial, cremation, donation, or another option, the next step is to choose the provider or providers who will carry out those arrangements. Depending on your choice, this may include a funeral home, cremation provider, cemetery, donation program, or another service.

How to do this:

  • Check whether the person already selected a provider or made arrangements in advance.
  • Identify the type of provider you need based on your decision, such as a funeral home for burial, a cremation provider for direct cremation, or a donation program for body donation.
  • Research local providers and compare services, availability, and pricing.
  • Contact one or more providers to ask what is included, what is optional, and what the total cost may be.
  • Ask for a General Price List (GPL), which funeral homes are required to provide, so you can review options clearly.
  • Choose a provider that aligns with your needs, budget, and any preferences the person expressed.

Why it matters:

  • The provider you choose will handle key parts of the process, including transportation, care of the body, and coordination of services.
  • Costs and services can vary widely, so understanding your options can help avoid unnecessary expenses.
  • Making an informed choice can help you feel more confident and supported as you move through the rest of the planning process.

Once you have chosen the final disposition and any providers, decide whether to hold a funeral, memorial, viewing, celebration of life, or no formal service at all. There is no single right approach. The decision should reflect the person’s wishes and what feels right for you and your family.

How to do this:

  • Check whether the person left instructions or shared preferences about having a service or not.
  • Decide whether you want a traditional funeral, a memorial service, a viewing, a celebration of life, a small private gathering, or no service.
  • If you are planning a service, choose a date, location, and format that works for family and friends.
  • Consider whether the service will be held before or after burial or cremation.
  • Work with your provider, venue, or community to coordinate details such as speakers, music, readings, and logistics.

Why it matters:

  • Not everyone wants a formal service, and choosing what feels right can reduce stress and unnecessary expense.
  • A service or gathering, whether large or small, can provide an opportunity for people to come together, share memories, and support one another.
  • Making a clear decision helps guide the rest of the planning process and avoids last-minute uncertainty.

If the person had religious, spiritual, or cultural ties, or if you plan to have someone lead a service or gathering, you may want to contact a clergy member, faith leader, celebrant, or other officiant. If this does not apply, you can skip this step.

How to do this:

  • If the person was part of a religious or spiritual community, contact their place of worship to inform them and ask about available support or services.
  • Identify who will lead or speak at the service, whether that is a clergy member, celebrant, family member, or friend.
  • Ask about any traditions, timing considerations, or service structure that may apply.
  • Coordinate details such as readings, prayers, music, or other elements if you are planning a service.

Why it matters:

  • Some traditions or communities have specific practices or timing that can affect planning.
  • An officiant or speaker can help guide the tone and structure of a service or gathering.
  • For those who want it, spiritual or community support can provide comfort and help bring people together during a difficult time.

If the deceased was religious, notify their church, mosque, synagogue, or spiritual advisor to arrange any faith-based funeral services.

How to do this:

  • Contact the church, synagogue, mosque, temple, or other spiritual group to inform them of the passing.
  • Arrange for a priest, pastor, rabbi, imam, or other religious leader to lead the service if desired.
  • If applicable, arrange religious customs (e.g., Catholic last rites, Jewish burial traditions, or Islamic Janazah prayers).

Why it matters:

  • Many religious traditions require specific funeral rites or timing.
  • Religious leaders often provide comfort and support to grieving families.
  • Some places of worship offer free or low-cost funeral services for members.

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Some cemeteries have specific guidelines for headstones. If cremation was chosen, decide on an urn, scattering, or columbarium placement.

How to do this:

  • Check with the cemetery for rules on headstone size, material, and engraving requirements.
  • If choosing cremation, select an urn, scattering service, or columbarium niche for storage.
  • Consider ordering a memorial plaque or bench if burial isn’t planned.

Why it matters:

  • Headstones and grave markers take weeks or months to produce, so ordering early is important.
  • Cemeteries have strict regulations on marker types, sizes, and inscriptions.
  • A personalized marker helps create a meaningful, lasting tribute to the deceased.

Information Hub

After the immediate arrangements are underway, turn your attention to the person’s home, property, mail, insurance, and important papers. These steps help protect belongings, prevent problems, and make it easier to manage the estate.

After the immediate arrangements are underway, begin gathering important papers and documents related to the person’s identity, finances, property, and accounts. Having these in one place will make the next steps much easier.

How to do this:

  • Collect documents from the home, office, safe, filing cabinets, or any estate organization system.
  • Look for items such as identification, financial statements, insurance policies, property records, account information, and recent bills.
  • Check for documents in digital form, including files stored on a computer, cloud storage, or email accounts.
  • Create a central folder, binder, or digital file to keep everything organized as you find it.
  • Make notes about what you have found and what may still be missing.

Why it matters:

  • Many next steps, such as contacting financial institutions or handling the estate, require specific documents.
  • Gathering documents early helps prevent delays and reduces the need to search for information later.
  • Keeping everything organized in one place makes it easier to track progress and share information with others who are helping.

The person may have used a safe deposit box to store important documents, valuables, or other items. If one exists, you will need to find out where it is and how to access it.

How to do this:

  • Look for keys, account statements, or documents that indicate a safe deposit box exists and which bank it is at.
  • Check financial records, bank correspondence, or contact known banks to ask whether a safe deposit box is on file.
  • Bring identification and a death certificate when contacting the bank, and ask about their process for access.
  • Determine who has legal authority to open the box, which may be a co-owner, executor, or court-appointed representative.
  • If required, follow the bank’s process for inventorying the contents before removing items.

Why it matters:

  • Safe deposit boxes often contain wills, trusts, deeds, insurance policies, jewelry, or other important items.
  • Access may be restricted until proper documentation is provided, so understanding the process early can prevent delays.
  • Locating these items can be critical for handling the estate and carrying out the person’s wishes.

Mail can contain important information about accounts, bills, subscriptions, and assets. Forwarding mail helps you stay informed, prevent missed payments, and reduce the risk of identity theft.

How to do this:

  • Submit a mail forwarding request with the U.S. Postal Service to redirect mail to the executor, personal representative, or another trusted person.
  • If you are not yet ready to forward mail, arrange for someone to regularly collect it from the home.
  • Review incoming mail for bills, account statements, insurance notices, and other important documents.
  • Keep a list of organizations that send mail so you can notify them or update account information later.

Why it matters:

  • Mail can reveal accounts, subscriptions, and financial obligations that might otherwise be missed.
  • Uncollected mail can signal that a home is unoccupied and increase the risk of theft.
  • Staying on top of mail helps you identify next steps and avoid late fees, service interruptions, or other complications.

If the person rented or owned a home, notify the landlord, mortgage company, or property manager so they are aware of the situation and can explain any next steps.

How to do this:

  • Contact the landlord, property manager, or mortgage lender to inform them of the death.
  • Ask about any immediate requirements, such as rent, mortgage payments, lease terms, or access to the property.
  • If the person rented, review the lease to understand notice requirements, security deposits, and move-out timelines.
  • If the person owned the home, ask the lender about how payments should be handled while the estate is being settled.
  • Keep records of all communications, including names, dates, and any instructions provided.

Why it matters:

  • Housing-related obligations, such as rent or mortgage payments, may still need to be addressed.
  • Notifying the appropriate party can help prevent misunderstandings, late fees, or legal issues.
  • It also helps clarify who has access to the property and what steps need to be taken next.

Utilities and household services may need to be canceled, transferred, or kept active depending on whether the home will be occupied. Reviewing these accounts early can help avoid unnecessary charges and prevent service interruptions.

How to do this:

  • Make a list of utilities and services, such as electricity, gas, water, trash, internet, phone, cable, security systems, lawn care, and cleaning services.
  • Decide which services should be canceled and which should remain active, especially if someone is still living in the home.
  • Contact each provider to notify them of the death and ask about options to cancel, pause, or transfer the account.
  • Update billing information or account names if services will continue.
  • Monitor bills and statements to confirm that changes were processed correctly.

Why it matters:

  • Canceling or adjusting services can prevent ongoing charges for accounts that are no longer needed.
  • Keeping essential utilities active may be necessary to protect the home and maintain basic conditions.
  • Reviewing these accounts can also help identify subscriptions or services that might otherwise be overlooked.

Insurance policies may need to be updated, continued, or canceled after a death. Notifying insurance companies early can help protect property, avoid coverage gaps, and identify any benefits that may be available.

How to do this:

  • Identify all relevant policies, such as homeowners, renters, auto, umbrella, or other property-related insurance.
  • Contact each insurance company to report the death and ask what steps are required.
  • Confirm whether coverage should remain in place, especially if the home or vehicles will still be used or left unattended.
  • Update contact information, billing details, or named insureds if needed.
  • Ask about any claims, refunds, or adjustments that may apply.

Why it matters:

  • Maintaining proper coverage helps protect the home, vehicles, and other property during the transition period.
  • Canceling or changing policies too quickly can leave assets unprotected.
  • Insurance companies may have specific requirements after a death, and addressing them early can prevent complications later.

Section 5: Handle Benefits, Money, and Accounts

This section covers the financial and administrative tasks that often follow a death, including government benefits, employer benefits, banks, credit, and other accounts. Taking these steps can help prevent fraud, stop ongoing charges, and make sure important benefits or assets are not missed.

Certain government agencies need to be notified after a death so benefits can be stopped, updated, or transferred. In many cases, some notifications are handled automatically, but it is still important to confirm.

How to do this:

  • Check whether the funeral home has already notified Social Security, as this is often handled as part of their services.
  • If not, contact Social Security to report the death and ask about any next steps or available survivor benefits.
  • Identify other government programs the person may have been receiving, such as Medicare, Medicaid, disability benefits, or other assistance.
  • Contact each agency to report the death and ask what documentation is required.
  • Keep a record of who you contacted, when, and what follow-up steps are needed.

Why it matters:

  • Reporting the death helps prevent overpayments, which may need to be returned later.
  • It allows eligible survivors to apply for benefits and understand what support may be available.
  • Confirming notifications early can help avoid delays or complications with government agencies.

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Some family members may be eligible for ongoing Social Security survivor benefits based on the deceased person’s work history. These benefits can provide important financial support for a surviving spouse, children, or other dependents.

How to do this:

  • Contact Social Security to ask whether you or other family members are eligible for survivor benefits.
  • Be prepared to provide information such as the deceased person’s Social Security number, your relationship to them, and basic personal details.
  • Gather required documents, which may include a certified death certificate, marriage certificate, birth certificates, or proof of dependency.
  • Schedule an appointment with Social Security if needed, as some applications must be completed by phone or in person.
  • Ask about the timing of payments and any deadlines for applying.

Why it matters:

  • Survivor benefits can provide ongoing income to help support a spouse, children, or other eligible dependents.
  • Applying promptly can help avoid delays in receiving benefits.
  • Understanding eligibility early can help with financial planning during a period of transition.

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In addition to monthly survivor benefits, Social Security offers a one-time $255 death benefit to an eligible surviving spouse or, in some cases, a dependent child. This benefit is not automatic and must be requested.

How to do this:

  • Call Social Security at 1-800-772-1213 or contact your local Social Security office to apply.
  • Provide basic information about the deceased person and your relationship to them.
  • Be prepared to submit documents such as a certified death certificate and proof of relationship, such as a marriage or birth certificate.
  • Ask whether you can apply at the same time as survivor benefits to streamline the process.

Why it matters:

  • This is a one-time benefit that must be claimed and is not automatically issued.
  • Only certain individuals are eligible, typically a surviving spouse or dependent child.
  • Applying early can help avoid delays and ensure the benefit is not missed.

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If the person who died was enrolled in Medicare, their coverage should be reviewed and, where appropriate, canceled or updated. While some parts of Medicare may be tied to Social Security reporting, privately managed plans often require separate follow-up.

How to do this:

  • Call Social Security at 1-800-772-1213 to report the death and confirm that Medicare Part A and Part B records are updated.
  • Check whether the person also had a Medicare Advantage plan, Medigap policy, or Part D prescription drug plan.
  • Contact any private insurance companies directly to report the death and ask what steps are needed to cancel or update coverage.
  • Review whether a surviving spouse or dependent has related coverage that may also need to be updated.

Why it matters:

  • Reporting the death helps prevent billing problems, overpayments, and fraudulent use of the deceased person’s Medicare information.
  • Some Medicare-related plans are not canceled automatically and require direct contact with the insurer.
  • Reviewing coverage early can also help surviving family members understand whether any changes are needed to their own health insurance.

If the deceased was a veteran, their family may be eligible for burial benefits, funeral assistance, survivor pensions, or military honors. The VA must be notified to process these benefits.

How to do this:

Call the VA at 1-800-827-1000 or visit a VA office. You can apply for:

  • Burial benefits (funeral cost assistance, headstones, military honors)
  • Survivor benefits (Dependency and Indemnity Compensation or VA pensions)
  • If applicable, schedule a military funeral service with honors.

Why it matters:

  • Veterans may be eligible for free burial in a national cemetery and financial assistance for funeral costs.
  • Surviving spouses may qualify for monthly VA benefits, which can help replace lost income.

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The deceased may have had pensions, final paychecks, life insurance, or stock benefits through their employer. These must be claimed by the designated beneficiaries.

How to do this:

  • Contact the HR department or benefits administrator at the deceased’s last place of employment.
  • Request information about:
  • Final paychecks, pensions, or retirement accounts
  • Employer-sponsored life insurance payouts
  • Stock options or profit-sharing plans

Why it matters:

  • Some company benefits expire if claims are not filed promptly.
  • Employer-sponsored life insurance policies often provide significant financial support for survivors.

If the deceased had a pension, IRA, or 401(k), beneficiaries need to determine how funds will be distributed and whether a spousal rollover is possible.

How to do this:

  • Contact the pension provider or financial institution to discuss payout options.
  • Review 401(k), IRA, or annuity documents to determine the best way to access or transfer funds.
  • If applicable, surviving spouses may have the option to roll over accounts into their own name.

Why it matters:

  • Beneficiaries may need to take Required Minimum Distributions (RMDs) to avoid tax penalties.
  • Some pension plans offer survivor benefits, but they must be claimed before a deadline.

Most financial accounts do not automatically transfer upon death unless they have a designated beneficiary. Banks must be notified to close or update accounts.

How to do this:

  • Contact each financial institution where the deceased held accounts.
  • Provide a death certificate and request account closure or transfer to beneficiaries.
  • Locate and handle safe deposit boxes (court orders may be required for access).

Why it matters:

  • Prevents unauthorized access or fraud.
  • Ensures estate funds are properly distributed to beneficiaries.

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A deceased person’s identity can be stolen if their credit file remains active. To prevent fraud, their credit must be flagged as “Deceased.”

How to do this:

  • Contact Experian, Equifax, or TransUnion and request a deceased alert on the credit file.
  • Provide a death certificate and request a copy of the credit report to identify open accounts.

Why it matters:

  • Prevents identity theft and fraudulent accounts from being opened in the deceased’s name.
  • Helps identify outstanding debts or credit obligations.

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In addition to notifying a credit bureau, request the person’s credit reports to identify open accounts, debts, and any activity that may need attention. This can help you find accounts that are not immediately obvious and reduce the risk of fraud.

How to do this:

  • Request credit reports from the three major credit bureaus: Equifax, Experian, and TransUnion.
  • Provide required documentation, which may include a certified death certificate and proof that you are authorized to act.
  • Review the reports carefully for credit cards, loans, mortgages, and other accounts.
  • Make a list of any accounts that need to be notified, closed, or followed up on.
  • Watch for unfamiliar accounts or activity that could indicate fraud or identity theft.

Why it matters:

  • Credit reports can reveal accounts and debts that may not appear in other records.
  • Identifying all accounts helps ensure nothing is missed during estate administration.
  • Reviewing reports early can help detect and prevent identity theft or unauthorized use of the person’s information.

Credit card accounts remain open unless the issuing bank is notified. To prevent fraud and avoid unnecessary fees, they should be closed as soon as possible.

How to do this:

  • Contact each credit card company with a copy of the death certificate.
  • Pay off any remaining balances or check for credit life insurance coverage (some accounts may be paid off upon death).
  • Request a final account statement for estate settlement.

Why it matters:

  • Open credit cards can still accrue charges, fees, or fraud if not closed properly.
  • Some credit life insurance policies pay off balances, reducing estate liabilities.

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After a death, there is an increased risk of identity theft, unauthorized account activity, and ongoing charges that continue without anyone noticing. Monitoring accounts and financial activity can help you catch issues early.

How to do this:

  • Review bank accounts, credit cards, and financial statements regularly for unfamiliar transactions or activity.
  • Check for recurring charges such as subscriptions, memberships, utilities, or automatic payments that may still be active.
  • Set up account alerts, if available, to notify you of new transactions or changes.
  • Notify financial institutions right away if you see suspicious activity.
  • Keep records of accounts that have been closed or updated to avoid confusion later.

Why it matters:

  • Deceased individuals are often targets for identity theft and fraud.
  • Ongoing charges can quietly continue if accounts are not reviewed and updated.
  • Catching issues early can help prevent financial loss and reduce complications during estate administration.

Section 6: Take Care of Digital Accounts and Online Information

Many people leave behind important digital accounts and online information, including email, social media, subscriptions, financial accounts, and stored files. Securing and reviewing these accounts can help protect personal information, prevent unauthorized access, and preserve anything important.

Digital devices and accounts often contain sensitive information, financial access, and personal data. Securing them early can help prevent unauthorized access, identity theft, and loss of important information.

How to do this:

  • Locate and secure devices such as phones, computers, tablets, and external drives.
  • Check for password managers, written password lists, or stored login information that may provide access to accounts.
  • If you have access, enable security features such as passcodes, biometric locks, or two-factor authentication.
  • Avoid logging into accounts or making changes unless you have legal authority to do so.
  • Keep track of which accounts you have access to and which may require additional documentation or assistance.

Why it matters:

  • Digital devices often provide access to financial accounts, email, and personal information.
  • Securing accounts early can help prevent unauthorized use or identity theft.
  • Preserving access also helps ensure important information, files, and memories are not lost.

Email accounts often serve as a central hub for bills, financial accounts, subscriptions, and personal communication. Managing them early can help you identify important information, notify others, and prevent missed messages.

How to do this:

  • If you have access, review the email account for important messages related to finances, accounts, services, and contacts.
  • Identify accounts, subscriptions, or notifications that may need to be addressed based on incoming emails.
  • Consider setting up an automatic reply to inform senders of the death and provide an alternate contact, if appropriate.
  • Save or flag important emails that may be needed for estate administration or follow-up.
  • Be mindful of privacy and only access accounts if you have legal authority to do so.

Why it matters:

  • Email can reveal accounts, bills, and services that may not appear elsewhere.
  • An auto-reply can help communicate with contacts and reduce confusion about unanswered messages.
  • Managing email early can help prevent missed deadlines, overlooked accounts, or lost information.

Social media accounts can be closed, memorialized, or left unchanged depending on your preference and the platform’s policies. Taking action can help protect the person’s identity and manage how their profile is viewed over time.

How to do this:

  • Identify which social media platforms the person used, such as Facebook, Instagram, LinkedIn, or others.
  • Decide whether you want to close the accounts, memorialize them, or leave them active for now.
  • Review each platform’s process for reporting a death and submitting a request, which may require documentation such as a death certificate and proof of authority.
  • Follow the platform’s instructions to complete the request and confirm the account status.

Why it matters:

  • Memorializing or closing accounts can help prevent unauthorized access or misuse.
  • It allows you to control how the person’s online presence is handled going forward.
  • For some families, a memorialized account can provide a space for remembrance and shared messages.

Some digital accounts may have real financial value or represent assets that need to be managed as part of the estate. These can include online accounts, stored funds, rewards, or digital property.

How to do this:

  • Review email accounts, financial records, and password managers to identify online accounts that may hold value.
  • Look for accounts such as online banking, payment apps, cryptocurrency wallets, investment platforms, rewards programs, or stored balances.
  • Check for subscription-based platforms, marketplaces, or content accounts that generate income.
  • Make a list of any accounts with potential value and note what access or documentation may be needed.
  • Contact the platform or provider to understand their process for handling accounts after a death.

Why it matters:

  • Some digital assets can be overlooked if they are not tied to traditional paperwork or statements.
  • Identifying these accounts helps ensure assets are not lost or forgotten during estate administration.
  • Properly managing digital assets can help preserve value and prevent unauthorized access or loss.

Many online services continue billing automatically unless they are canceled. Reviewing and canceling subscriptions can help prevent unnecessary charges and reduce ongoing account activity.

How to do this:

  • Review email accounts, bank statements, and credit card statements to identify active subscriptions and recurring charges.
  • Make a list of memberships, apps, streaming services, delivery services, and other online accounts with automatic billing.
  • Log into accounts, if you have legal authority, or contact the provider to cancel or close the account.
  • Check for subscriptions tied to app stores, mobile devices, or third-party platforms.
  • Confirm that cancellations were processed and that billing has stopped.

Why it matters:

  • Subscriptions can continue charging indefinitely if not actively canceled.
  • Reviewing these accounts helps prevent unnecessary expenses and financial leakage.
  • Canceling accounts also reduces the risk of unauthorized use or access going forward.

Before closing accounts or losing access, take time to preserve photos, videos, documents, and messages that may have personal or practical importance. Some accounts may become inaccessible once they are closed or restricted.

How to do this:

  • Download or back up photos, videos, and files from phones, computers, cloud storage, and online accounts.
  • Save important emails, messages, contacts, and documents that may be needed later or have sentimental value.
  • Check shared folders, family photo apps, and social media accounts for additional content.
  • Store copies in a secure location, such as an external drive or cloud account controlled by the family.
  • Make sure at least one trusted person knows where these files are stored.

Why it matters:

  • Important memories and records can be permanently lost if accounts are closed or access is restricted.
  • Preserving files early gives you time to organize and share them with others.
  • Some digital content may also be needed for estate, financial, or personal matters.

Section 7: Estate Administration, Probate, Taxes, and Final Tasks

Once the immediate tasks are under control, the remaining work usually involves settling the estate. This part of the process can be complicated, time consuming, and sometimes overwhelming.

Probate, taxes, debts, asset transfers, and court requirements can take months or longer depending on the estate. Often, the entire process requires more than 500 hours of work.

This section is intended as a high-level guide to the major steps. Some situations may require help from an attorney, accountant, or other professional.

Probate is the legal process used to handle a person’s assets, pay debts, and distribute what remains. Not every estate requires probate, so one of the first steps is to determine whether it applies in your situation.

How to do this:

  • Review the will, trust, and asset information to see how property is titled and whether it passes outside of probate.
  • Identify assets that may avoid probate, such as those held in a trust, jointly owned property, or accounts with named beneficiaries.
  • Look at the size and complexity of the estate, as smaller estates may qualify for simplified procedures in some states.
  • If you are unsure, contact a probate attorney or your local probate court to understand what is required.

Why it matters:

  • Knowing whether probate is required helps you understand the legal process you need to follow.
  • It determines who has authority to act and how assets can be accessed and distributed.
  • Starting the right process early can help avoid delays, legal issues, or complications later.

 

Once you understand whether probate is required and who has authority to act, the next step is to begin administering the estate. This involves organizing assets, managing finances, and handling responsibilities on behalf of the estate.

How to do this:

  • Confirm who is responsible for administering the estate, such as the executor, personal representative, administrator, or trustee.
  • Open an estate bank account, if appropriate, to manage incoming funds and pay expenses.
  • Gather and organize information about assets, debts, income, and ongoing obligations.
  • Begin notifying financial institutions, creditors, and other relevant parties, if not already done.
  • Keep detailed records of all actions, transactions, and decisions made on behalf of the estate.

Why it matters:

  • Estate administration is the process that ensures assets are properly managed, debts are addressed, and distributions are handled correctly.
  • Acting in an organized and documented way helps protect the person in charge and reduces the risk of disputes.
  • Starting this process early helps keep things moving and avoids delays later on.

To properly settle the estate, you will need to identify everything the person owned and determine its value. This includes financial accounts, property, personal belongings, and any other assets.

How to do this:

  • Create a list of assets, including bank accounts, investment accounts, retirement accounts, real estate, vehicles, business interests, and personal property.
  • Use account statements, property records, tax returns, and financial documents to identify and confirm assets.
  • Determine how each asset is owned, such as individually, jointly, or through a trust, since this affects how it is handled.
  • Obtain valuations for assets when needed, such as real estate appraisals or account balances as of the date of death.
  • Keep organized records of all assets and their values for use in probate, taxes, and distribution.

Why it matters:

  • Identifying all assets ensures nothing is overlooked or lost during the process.
  • Accurate valuations are often required for probate filings, tax reporting, and fair distribution.
  • Understanding how assets are titled helps determine whether they go through probate or pass directly to beneficiaries.

Before assets can be distributed, the estate is generally responsible for paying valid debts, final expenses, and approved claims. This step should be handled carefully and, in many cases, in a specific legal order.

How to do this:

  • Identify outstanding debts, including credit cards, loans, medical bills, taxes, and other obligations.
  • Review incoming bills, credit reports, and financial records to make sure all debts are accounted for.
  • Confirm which debts are valid and payable by the estate before making any payments.
  • Use the estate account, if one has been opened, to pay approved expenses and claims.
  • Follow any required legal process for notifying creditors and responding to claims, especially if probate is involved.
  • Keep detailed records of all payments made on behalf of the estate.

Why it matters:

  • Debts and expenses must generally be settled before assets can be distributed to beneficiaries.
  • Paying the wrong claims or paying out of order can create legal or financial issues.
  • Proper handling helps protect the person administering the estate and ensures compliance with applicable laws.

In addition to known accounts and property, there may be assets that have been forgotten, lost, or turned over to the state as unclaimed property. Taking time to search for these can help ensure nothing is missed.

How to do this:

  • Search state unclaimed property databases in any states where the person lived, worked, or had accounts.
  • Check for uncashed checks, refunds, insurance proceeds, or dormant accounts that may not appear in current records.
  • Review old mail, tax returns, and financial statements for references to past accounts or assets.
  • Look for accounts that may have been overlooked, such as small investment accounts, retirement plans, or employer benefits.
  • Keep a list of any potential assets and follow the process required to claim them.

Why it matters:

  • Assets can be lost or overlooked if they are not actively tracked.
  • Unclaimed property programs hold funds that can often be recovered with proper documentation.
  • Finding these assets helps ensure the estate is fully accounted for and properly distributed.

After a death, certain tax returns may need to be filed for the person and, in some cases, for the estate. This can include a final personal income tax return and, depending on the situation, additional filings for the estate or a trust.

How to do this:

  • Determine whether a final personal income tax return needs to be filed for the year of death.
  • Identify any income received before and after death, as this may affect what needs to be reported.
  • Gather tax documents such as W-2s, 1099s, prior returns, and financial statements.
  • If the estate generates income after death, determine whether an estate or trust income tax return is required.
  • Consider working with a tax professional if the estate is complex or if you are unsure what is required.

Why it matters:

  • Filing required tax returns helps avoid penalties, interest, and potential legal issues.
  • Proper reporting ensures that income and assets are handled correctly during estate administration.
  • Completing tax obligations is often a necessary step before final distributions can be made and the estate can be closed.

After debts, expenses, and taxes have been handled, the remaining assets can be distributed to beneficiaries according to the will, trust, or applicable law.

How to do this:

  • Review the will, trust, or state law to determine who is entitled to receive assets and in what proportions.
  • Confirm that all required steps, such as paying debts and filing taxes, have been completed before making distributions.
  • Transfer assets such as funds, property, and personal items to the appropriate beneficiaries.
  • Obtain receipts or written acknowledgments from beneficiaries confirming what they received.
  • Keep detailed records of all distributions for legal and accounting purposes.

Why it matters:

  • Distributing assets is the final step in carrying out the person’s wishes or legal requirements.
  • Completing this step properly helps avoid disputes, confusion, or future claims.
  • Clear documentation protects the person administering the estate and provides transparency for beneficiaries.

Once all debts, taxes, and distributions have been completed, the final step is to formally close the estate. This may involve court filings, final accounting, and confirming that all responsibilities have been fulfilled.

How to do this:

  • Confirm that all debts, expenses, taxes, and distributions have been completed.
  • Prepare a final accounting that shows what came into the estate, what was paid out, and what was distributed.
  • If probate is involved, file the required documents with the court to request approval to close the estate.
  • Obtain any required approvals, receipts, or releases from beneficiaries.
  • Close the estate bank account and retain records in case they are needed later.

Why it matters:

  • Closing the estate formally ends the legal responsibilities of the person administering it.
  • Proper documentation helps prevent future disputes or claims.
  • Completing this step ensures that the estate has been fully and correctly handled.

After going through this process, it is a good time to review your own estate plan and make any updates. Many people find that their priorities, documents, or level of organization need attention after experiencing a loss.

How to do this:

  • Review your will, trust, and beneficiary designations to make sure they reflect your current wishes.
  • Check that key roles, such as executor, trustee, and guardians, are still appropriate.
  • Update contact information, asset lists, and account details so everything is accurate.
  • Organize your documents in one place so they are easy for others to find and use.
  • Consider working with an attorney or financial advisor if you need help updating or creating a plan.

Why it matters:

  • Keeping your plan up to date helps ensure your wishes are followed and reduces the burden on your loved ones.
  • Clear, organized information can make a difficult time much easier for others.
  • Taking action now can help prevent confusion, delays, and stress in the future.

Leave Your Heirs The Gift Of Organization With a CLEAR Kit

Did you know?

The average estate takes 570 hours to administer.

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