Start With the Immediate Steps
If death occurs at home, in a hospital, or in hospice, the first call may differ. Follow medical or hospice instructions first. Then choose a funeral home or cremation provider and ask what paperwork is needed.
Order multiple certified death certificates. Banks, insurance companies, government agencies, and other institutions may require them.
Notify the Right Agencies
USAGov explains that families may need to notify government programs and businesses after someone dies. Medicare.gov notes that, in many cases, the funeral home reports the death to Social Security if given the person's Social Security number. Families can also contact Social Security directly.
Do not assume every account closes automatically. Keep notes of who was called and when.
First-Week Checklist
- Medical guidance — Follow hospital, hospice, coroner, or local instructions.
- Funeral provider — Choose a funeral home or cremation provider.
- Death certificates — Order certified copies.
- Insurance — Find life insurance policies and contact the company or agent.
- Social Security — Confirm the death was reported and ask about survivor benefits.
- Medicare — Report or confirm reporting through Social Security as directed.
- Banks and bills — Protect accounts, utilities, mortgage, rent, and mail.
- Family records — Find will, power of attorney, military records, and contact list.
After a Death Questions
How many death certificates should we order?
It depends on the estate, accounts, and insurance. Funeral homes can often suggest a practical number.
Who files the life insurance claim?
Usually the beneficiary contacts the insurance company and provides required claim forms and proof of death.
Do Social Security payments continue?
Families should contact Social Security. Payments after death may need to be returned depending on timing.
Get a Number That Fits Your Family
Howe Insurance Services has helped families compare easy issue life insurance since 1981. A licensed agent can help you review benefit amounts, waiting periods, and monthly cost in a free over-the-phone consultation.
Sources: USAGov - agencies to notify when someone dies · Medicare.gov - report a death · Social Security Administration - lump-sum death payment · National Institute on Aging - getting your affairs in order