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The practical side of loss

In the weeks and months after a death, a handful of practical things tend to linger. This is a calm guide to what may still need doing, so nothing important slips through while you grieve.

You have likely handled the most urgent things already. There is no deadline on the rest. Work through this whenever you have the energy, and lean on your funeral home or a trusted professional for anything that feels heavy.
1
Paperwork and notifications

Accounts and the people to tell

  • Order certified copies of the death certificate.

    Most families need several, often five to ten, because banks, insurers, and government offices each ask for an original. Your funeral director can usually order more for you.

  • Notify Social Security and ask about survivor benefits.

    In most cases the funeral home reports the death, but it is worth confirming. You or your family may be entitled to survivor benefits.

  • Start any life insurance claims.

    Contact each insurer with a certified death certificate to begin the process. Check policies through an employer too.

  • Notify banks, pensions, and benefit providers.

    Let banks, retirement plans, and any other benefit programs know, so accounts can be handled correctly.

  • Protect against identity theft.

    Notify the three credit bureaus, Equifax, Experian, and TransUnion, so the credit file is flagged as deceased.

  • Redirect the mail and cancel what is no longer needed.

    Forward or hold the mail, and cancel subscriptions and services gradually, as you have the energy.

  • Keep key documents close.

    If you have not already, gather the will, insurance policies, the Social Security number, and recent tax returns. You will reach for these often.

2
In the months that follow

Settling the estate

  • Look for any plans already in place.

    Check for a will, a prepaid funeral plan, or a letter of final wishes, if you have not found them yet. These answer many questions.

  • Find out whether the estate needs probate.

    This depends on your state and on how things were owned. An estate attorney can usually tell you quickly.

  • Get professional help if things feel complex.

    An attorney or financial advisor can take real weight off your shoulders, especially with taxes or a larger estate.

  • File any final tax returns.

    A final income tax return is usually required for the year of death.

  • Transfer or close remaining accounts and titles.

    Utilities, vehicles, and property titles can be updated as you are ready. There is no rush.

3
When the time feels right

Looking after yourself

  • Tend to your own plans.

    When you feel ready, update your own will, beneficiaries, and emergency contacts.

  • Give grief its own space.

    Settling affairs is exhausting on top of grieving. Take breaks, accept help, and use the support on this site whenever you need it.

This guide is general information, not legal, financial, or medical advice. Requirements vary from state to state and from family to family. For decisions about the estate, taxes, or benefits, please check with a qualified professional or the relevant government office.

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