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There are so many social connections you will need to notify of the death of a loved one. Just think of it: credit card companies, banks, investment and insurance companies, health care providers…the list can feel endless. What should be your top priority?
Sticking to the following notification process, and keeping good records of all notifications you make, should be your #1 priority.
A 4-Step Notification Process
For many of the government agencies and financial entities, you will need a certified copy of the death certificate, your loved one’s social security number, and, if you are the executor of the estate, a copy of the appointment form from the probate court.
All creditors should be notified promptly following a death. If there is to be a delay in meeting debts or installment payments, you may be able to file for extensions. Many creditors are sympathetic to these situations and are willing to grant your requests. If credit insurance or mortgage insurance policies were in force, purchases made on credit (vehicles, furniture, etc.) or the home mortgage may be paid off by the insurance. Ask your lending institution.
Also notify the major credit reporting agencies, including Experian, Equifax, and TransUnion. Instruct them to list all accounts as: “Closed. Account Holder is Deceased.” You may also request a credit report to obtain a list of all creditors and to review recent credit activities.
Social Security and other government agencies should be contacted. These agencies could also include the:
Clubs, associations, and social groups need to know. Did your loved one belong to any professional associations or unions? Even just your local video rental store should know, as should the public library. Here’s a check list for you:
All online accounts should be closed. While there are companies, such as Entrustet, Legacy Locker, and DataInherit, whose sole purpose is to help you keep track of all your digital “assets”, including your passwords and other log-in details, chances are your loved one didn’t subscribe to any of their services. However, if they did, you’re one step ahead of the game.
But if not, you might be faced with ferreting out your loved one’s many online accounts – and it could take some time. Here’s a brief overview of those digital realms you should monitor, and eventually close:
Dealing with the Flotsam and Jetsam Left Behind
No doubt you’ve heard the words flotsam and jetsam, usually used together. Flotsam is “part of the wreckage of a ship or its cargo as is found floating on the surface of the sea.” And Jetsam is “the throwing of goods overboard,” or goods thrown overboard to lighten the load of a distressed ship. Both terms used together usually refer to any floating waste material found in the sea, or they may simply mean “odds and ends.”
Without a doubt, when someone dies, they unintentionally leave behind “odds and ends” which need to be tended, retrieved, and managed by their loved ones. Unfortunately, very few of us are prepared for what is often a huge task. Our advice to you is simple. Take care of the important financial details first, and then work your way down to those that won’t truly impact your day-to-day welfare.
Should you need to speak with someone accustomed to helping out in these situations, please call us.
Will I Need a Lawyer?
Despite the fact that people make jokes about lawyers all the time, they really are necessary in a community. They are, in effect, lawyers are society's professional problem solvers.
While there is no requirement to use a lawyer, probate is a rather formal procedure. One minor omission, one failure to send a copy of the petition to a relative, or a missed deadline, can cause everything to come to a grinding halt.
Or, in the worst case scenario, such things can expose everyone to liability.
The death of a family member or friend sometimes tends to bring out the very worst in some people. Experience shows that even in close families there is a tendency to get overly emotional about relatively trivial matters at the time of a loved one's death, such as who gets the iron frying pan and who gets the kettle.
Such minor matters, or any delays or inconveniences can be upsetting, pose issues of fairness, and create unfounded suspicion among family members. Thus it generally is a very good idea to hire a lawyer to sort it all out for you – so you can grieve, and find your way in the world without the physical presence of your loved one.
If you’d like to speak with one of our funeral professionals about the issues you are currently facing, please call us at (410) 777-5295. While we are not lawyers, we can make a worthy referral, should the situation warrant one.
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