What to Do When Your Spouse Dies

Losing a spouse is one of life’s most difficult experiences. This guide provides a comprehensive checklist of necessary steps to take after a spouse’s death, helping you navigate this difficult time systematically.

Key Steps to Take

Contact the Funeral Home. Begin by making arrangements and requesting 10 additional copies of the death certificate, which you’ll need for various administrative purposes.

Notify Your Attorney. Legal professionals can guide you through the entire process and ensure proper handling of estate matters.

Contact Social Security Administration. Your benefits may change following your spouse’s passing, so notification is essential.

Cancel Health Insurance. If coverage was provided through your spouse’s employer, contact them to terminate or modify the policy.

Reach Out to Pension Company. Depending on your spouse’s original pension plan selection, you may be eligible to receive ongoing payments.

File Life Insurance Claims. Contact the insurance company promptly to initiate what is typically a straightforward claims process.

Check Veterans Benefits. If applicable, contact the Department of Veterans Affairs to explore any available benefits.

Notify Financial Institutions. Update banks regarding account names, close or modify credit cards, and inform mortgage companies and insurance providers.

Consult Your CPA. Tax implications for the current year require professional discussion.

Meet with Financial Adviser. Change account titles and file necessary beneficiary paperwork for retirement accounts like IRAs and 401(k)s.

Retitle Assets. Transfer real estate, vehicles, and other property held in your spouse’s name.

Probate the Estate. If assets don’t qualify for simplified procedures, formal probate may be necessary with attorney assistance.

If you or a loved one needs assistance with probate or estate planning matters, do not hesitate to contact The Stegall Law Firm for a consultation. We are here to help.