Knot as it Seems
After Funeral Checklist
A checklist to assist you in making sure all of the necessary things are taken care of.
Monument or Marker
Pathway Memorial Funeral Home can assist you with information regarding monuments and markers.
Contact the business to determine which documents will be required.
- Death certificates
- Stock certificates
- Social security numbers (survivor/deceased/dependents)
- Bank book
- Marriage license
- Birth certificate of each dependent
- Recent income tax and W2 forms
- Armed service discharge papers
- Veteran’s administration claim number
- Insurance policies
- Automobile registration
- Deeds and titles to property
- Organize all paperwork and review the present financial situation.
- Keep an up-to-date account of all cash income and expenses.
- Keep detailed notes including names, phone numbers, tasks you need to complete and required deadlines.
- Pay all bills and taxes owed as soon as possible including funeral, taxes, mortgage, medical bills, etc. incurred.
- Close any accounts that are no longer required.
The survivor may want to speak with an accountant or financial advisor. Compile a list of all the assets at the time of death, i.e., copies of property deeds and titles, statements, etc. This information is required for filing federal and state estate tax returns.
The survivor may want to consult an attorney regarding the disposition of the estate. The attorney will be able to assist in matters such as changing property deeds and titles, disposition of bank accounts, stocks and bonds and probating the will (file within 30 days of death, unless adequate steps have been taken to avoid probate). Discuss attorney fees and have a written retainer agreement. Also, it may be an appropriate time for the survivor to create and/or update their will.
Federal and State Taxes
Contact the Federal and State tax offices to determine legal requirements regarding inheritance and estate taxes. Also, review the income tax situation for possible adjustments of withholding or estimates for increased or decreased tax liabilities.
Secretary of State
Contact the Secretary of State’s office immediately to cancel the deceased’s driver’s license to prevent fraud. To transfer an automobile title, you will need to provide a copy of the death certificate, current title and proof of insurance to the Secretary of State office.
Contact the automobile insurance company about accident insurance. If the deceased’s death was due to an automobile accident, additional benefits or unused premiums may be due to you. Also, ensure the insurance company continues to cover the deceased’s automobile(s) until it is sold or transferred to a beneficiary.
Contact the insurance company about the accident insurance. If the deceased’s death was accidental, additional benefits or unused premiums may be due to you.
Ensure the homeowner’s policy is updated and continues to provide adequate coverage for the deceased’s property until removed from the home, if the home is being sold. If the home was rented, cancel the lease after removing the deceased’s property.
Individual Retirement Accounts
If the surviving spouse is the beneficiary, decide whether to roll the IRA over to the surviving spouse’s IRA accounts(s).
Change stocks, bonds, certificates of deposit and all other investments into the survivor’s name. Financial institutions and stockbrokers have required forms. Transfer real estate title of jointly held property with the register of deed’s office in the county where the real estate is located. Also, have joint property reappraised for tax purposes.
Bank/Credit Union Accounts/Trusts
If a joint account(s) exist, you may wish to name someone else to the account. If social security checks were being directly deposited into an account, the financial institution needs to be notified of the death. If the deceased’s estate is in trust, contact the Trust Department of the financial institution for instructions. Note: Some credit unions offer life insurance.
Notify credit card companies of the death. If the card(s) was issued in the deceased and survivor’s names, you may want to find out the requirements to change and issue a new card(s) solely in the survivor’s name. Note: Inquire about transferring frequent flyer miles, if applicable.
Financial and Credit Obligations
Inquire on all loans, service contracts and credit cards to find out if they were covered by credit life insurance. If yes, the balance would be paid in full at the time of death and the deceased’s estate would owe nothing. If they were not covered by credit life insurance, then contact the creditor(s) to continue payment.
Labor Unions or Fraternal Organization Benefits
If the deceased was a member, inquire about benefits.
Pension or Profit Sharing Benefits
Contact the company from where the pension or profit sharing is received for instructions.
Contact the health insurance carrier for instructions.
File a claim against every policy. If needed, Pathway Memorial Funeral Home is available to assist you with this process. If the deceased is listed as the beneficiary on any other life insurance policy, request the required forms to name a new beneficiary.
Notify the deceased’s employer, Human Resource Department or Insurance Department. Inquire about life insurance, health insurance for the survivor and children, profit sharing and pension, if applicable.
Pathway Memorial Funeral Home obtains copies of the death certificate for you. These are required for proof of death to change the title on the deceased’s assets such as automobiles, bank accounts, stock certificates and life insurance policies.
Pathway Memorial Funeral Home sends a Statement of Death (form SSA-721) to the Social Security Administration. If you have any questions and/or are eligible for survivor or minor children benefits, please contact the Social Security Administration at www.socialsecurity.gov or by telephone at 1-800-772-1213, Monday–Friday from 7:00 a.m.–7:00 p.m.
Note: If the deceased was receiving benefits, most checks that arrive after death will need to be returned to the Social Security Administration.