If you’re looking for a clear checklist of what to do when a spouse dies, you’re not alone. Losing a spouse or partner is one of life’s most heartbreaking experiences. Amid the grief, you may find yourself facing a daunting list of actions needed and the process can feel overwhelming.
Below is a practical checklist to guide you through the essential steps after the passing of a spouse or partner. Our firm regularly supports clients through these transitions, offering financial and tax expertise so the survivor can focus on what matters most.
What To Do When a Spouse Dies Checklist:
What to Handle Right Away (The First Few Days)
- Notify immediate family and close friends. Ask others to help with notifications.
- Contact a funeral home to begin planning arrangements. Creating a funeral plan while alive may simplify matters.
- Inform Social Security Administration and the Veteran’s Administration to inquire about burial allowances or funeral-related benefits.
- Locate important legal documents, such as the will and trust documents.
- Request multiple certified copies of the death certificate (10+ copies).
- Contact your financial advisor and estate attorney, if you have them.
What Comes Next (The First Few Weeks)
- Gather important documents:
- Marriage certificate and spouse’s birth certificate
- Financial statements, insurance policies, and tax returns
- Titles and deeds (home, vehicle, etc.)
- Outstanding bills and credit card statements
- Notify Key Organizations:
- Employer (to discuss benefits and final pay)
- Social Security Administration (to stop payments or apply for survivor benefits)
- Insurance companies (life, health, auto, home)
- Financial institutions (banks, investment firms, credit card issuers)
- If you have a financial advisor, they can help facilitate notifications to these institutions. Keep in mind that access to accounts may be restricted upon notification, even temporarily.
- Address Financial and Legal Tasks:
- Consult a professional if complex estate issues exist
- Initiate probate (if applicable) and review outstanding financial obligations
- File claims for life insurance and survivor benefits
- Re-title or close joint accounts
- Implement transfers of IRAs and other retirement accounts to the designated beneficiaries
Moving forward
- Update beneficiary designations on your own policies and retirement accounts.
- Cancel or transfer credit cards, utilities, subscriptions, and memberships.
- Review and adjust your monthly budget to reflect any financial changes.
- Assess your retirement savings and investment strategy.
- Revisit your estate plan, will, and insurance coverage to ensure they align with your current situation.
- Evaluate your living situation to determine if any changes are necessary.
Planning Ahead Can Help
While this checklist provides a roadmap for handling the necessary steps after losing a spouse or partner, planning ahead is the best way to alleviate stress and uncertainty for your loved ones. By gathering essential information, updating key documents, and discussing financial matters in advance, you can reduce the burden on your surviving spouse and ensure a smoother transition. Proactive planning not only provides peace of mind but also ensures that the survivor has the resources and guidance needed during an emotionally difficult time.
We’re Here to Help
At FCA Corp, we understand the complexities of life’s major transitions and are committed to guiding you with clarity and compassion. Whether you’re navigating loss or preparing for the future, we’re here to offer support.
