Losing a loved one can be a difficult experience. Yet, during this time, you must complete a variety of tasks and make important financial decisions. You may need to make final arrangements, notify
various businesses and government agencies, settle the individual’s estate, and provide for your own financial security. The following checklist may help guide you through the matters that must be attended to upon the death of a family member.
Some of the following tasks may have to be completed by the estate’s executor.
Initial tasks
● Upon the death of your loved one, call close family members, friends, and clergy first because you’ll need their emotional support.
● Arrange the funeral, burial or cremation, and memorial service. Hopefully, your loved one will have made arrangements ahead of time. Look among his or her papers for a letter of instruction containing final wishes. Such instructions may also be stated in his or her will or other estate planning documents. Arrange any cultural rituals and make any anatomical gifts.
● Notify family and friends of the final arrangements.
● Alert your loved one’s place of work, union, and professional organizations, and any organizations where he or she may have volunteered.
● Contact your own employer and arrange for bereavement leave.
● Place an obituary in the local paper.
● Obtain certified copies of the death certificate. The family doctor or medical examiner should provide you with the death certificate within 24 hours of the death. The funeral home should complete the form and file it with the state. Get several certified copies
(photocopies may not be accepted); you will need them when applying for benefits and settling the estate.
● Review your family member’s financial affairs, and look for estate planning documents, such as a will and trusts, and other relevant documents, such as deeds and titles. Also locate any marriage certificate, birth or adoption certificates of children, and military discharge papers, which you may need to apply for benefits. These documents may be found in a safe-deposit box, or your loved one’s attorney may have copies.
● Report the death to Social Security by calling 1-800-772-1213. If your loved one was receiving benefits via direct deposit, request that the bank return funds received for the month of death and thereafter to Social Security. Do not cash any Social Security checks received by mail. Return all checks to Social Security as soon as possible. Surviving spouses and other family members may be eligible for a $255 lump-sum death benefit and/or survivor benefits. Go to ssa.gov for more information.
● Make a list of assets. Put safeguards in place to protect any property. Make sure mortgage and insurance payments continue to be made while the estate is being settled.
● Arrange to retrieve your loved one’s belongings from his or her workplace. Collect any salary, vacation, or sick pay owed to your loved one, and be sure to ask about continuing health insurance coverage and potential survivor’s benefits for a spouse or children. Unions and professional organizations may also offer death benefits. If the death was work-related, the estate or beneficiaries may be entitled to worker’s compensation benefits.
● Contact past employers regarding pension plans, and contact any IRA custodians or trustees. Review designated beneficiaries and post-death distribution options.
● Locate insurance policies. The policies could include individual and group life insurance, mortgage insurance, auto credit life insurance, accidental death and dismemberment, credit card insurance, and annuities. Contact all insurance companies to file claims.
● Contact all credit card companies and let them know of the death. Cancel all cards unless you’re named on the account and wish to retain the card.
● Retitle jointly held assets, such as bank accounts, automobiles, stocks and bonds, and real estate.
● If your loved one owned, controlled, or was a principal in a business, check to see if there are any buy-sell agreements under which his or her interest must be sold.
Within 3 to 9 months after death
● File the will with the appropriate probate court. If real estate was owned out of state, file ancillary probate in that state also. If there is no will, contact the probate court for instructions, or contact a probate attorney for assistance.
● Notify creditors by mail and by placing a notice in the newspaper. Claims must be made within the statute of limitations, which varies from state to state (30 days from actual notice is common). Insist upon proof of all claims.
● A federal estate tax return may need to be filed within 9 months of death. State laws vary, but state estate tax and/or inheritance tax returns may also need to be filed. Federal and state income taxes are due for the year of death on the normal filing date, unless an extension is requested. If there are trusts, separate income tax returns may need to be filed. You may want to seek the advice of a tax professional.
Within 9 to 12 months after death
● Update your own estate plan if your loved one was a beneficiary or appointed as an agent, trustee, or guardian.
● Update beneficiary designations on your retirement plans, including IRAs, and transfer-on-death accounts on which the your loved one was named beneficiary.
● Reevaluate your budget, and short-term and long-term finances.
● Reevaluate your insurance needs, and update beneficiary designations on insurance policies on which your loved one was the named beneficiary.
● Reevaluate investment options.
If your loved one was a veteran, you may be eligible for burial and memorial benefits. Call 1-800-827-1000 to find the nearest VA regional office.
Duplicate copies of marriage and birth certificates are available at the county clerk’s office where the marriage and births occurred. Veterans and the next of kin of deceased veterans can submit an online request for separation documents and other service personnel records via eVetRecs, a service available through the National Archives at archives.gov.
If there is no one authorized to open your loved one’s safe-deposit box, petition the probate court for an order to open.
Do not be hasty when settling your loved one’s estate. Important decisions need to be made regarding distributions, which must be made in compliance with the will and applicable laws. Seek
an experienced estate planning attorney for advice.
If your family member didn’t already make final arrangements or leave final instructions, go to www.funerals.org for some helpful information about funerals, burials, and memorial services.
This content has been reviewed by FINRA.
Prepared by Broadridge Advisor Solutions. © 2026 Broadridge Financial Services, Inc. Securities offered through IFP Securities, LLC, dba Independent Financial Partners (IFP), member FINRA/SIPC Investment advice offered through IFP Advisors, LLC, dba Independent Financial Partners (IFP), a Registered Investment Advisor. IFP and Hitchcock Maddox Financial Partners are not affiliated.
Registration does not imply that the Firm is recommended or approved by the United States government or any regulatory agency. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply any level of skill or training.
IFP may only transact business or render personalized investment advice in those states and international jurisdictions where it is registered, has notice filed, or is otherwise excluded or exempted
from registration requirements. The purpose of this website is for information distribution only and should not be construed as an offer to buy or sell securities or to offer investment advice. Past results are no guarantee of future results and no representation is made that a client will or is likely to achieve results that are similar to those described. An investor should consider his or her investment objectives, risks, charges and expenses carefully before investing.
Reg BI Disclosure Supplement | Form CRS | Investor Pricing | Privacy Policy | Business Continuity Plan
IFP and Hitchcock Maddox Financial Partners are separate entities. The IFP representative associated with this website may discuss and/or transact securities business only with residents of the following states; AL, AZ, CA, CO, FL, GA, IA, MS, NC, NY, OH, OR, TN, TX, UT, VA, VT.