We are proud that your loved one selected a product from a Great American Insurance Group company. Provided below are other steps you may want to consider due to the loss of your loved one.
What do I need to do?
When a loved one dies, it’s normal to feel sad and overwhelmed at the seemingly never-ending list of things to do. While not an all-inclusive list, the following suggestions may help you understand some of the things that need to be done now, what needs to be done soon, and what can be done later.
You may have already taken care of items such as the following:
- Contact a funeral home. A funeral director can help you make arrangements to honor your loved one with services and/or burials.
- Obtain copies of death certificate. Your funeral director can help with this. Note that you may need a certificate for each account that requires closing – banks, credit cards, insurance policies, etc. Most will need copies certified by the government records office in order to proceed, so assume you’ll need more than you think.
- Locate documents. If you aren’t aware of your loved one’s wishes, search his or her documents to determine whether he or she has a prepaid burial plan. You may also need to locate his or her safety deposit box, mortgage information, birth and marriage certificates, wage records, military paperwork, etc.
- Notify family and friends. Your support system can be a big help right now, both functionally and emotionally. They may also help you contact extended family and acquaintances, so the burden is not on you.
- Notify employers. If your loved one was still in the workforce, call his or her employer. Ask whether any benefits or pay are due, and whether the benefits included any life insurance policies, retirement plans or other benefits. Call your employer, too, and work with your manager to arrange your bereavement time.
- Arrange for pet care. Your loved one may have had a pet that needs to be rehomed. Your local animal shelter or rescue organization may be able to assist.
- Prepare an obituary. Check with your local newspaper for their requirements.
- Seek help with financial and legal matters. Your accountant, attorney and/or financial professional can help you deal with matters related to your loved one’s will, estate, financial portfolio, probate issues and more.
- Stop automatic withdrawals and deposits. Your loved one may have had automatic payments withdrawn from his or her accounts. Additionally, if your loved one was receiving Social Security payments, be sure to notify Social Security to stop the checks or deposits. Generally, your funeral director will do this but it’s a good idea to double check.
- Contact utility companies and the post office. If applicable, you’ll want to cancel utilities, phone, Internet, mobile phone, etc. Additionally, you will need to contact the post office to stop or forward mail.
- Contact insurance agents and companies. Each insurance company will have its own claim form and process.
- Arrange periodic house checks. If your loved one’s house is vacant, arrange periodic checks with neighbors, friends and/or the local police.
- Determine benefit eligibility. If you are a surviving spouse, you may be eligible for employer or other benefits. You can contact a human resources representative from your loved one’s company for information about applying for any benefits. The Social Security (800-772-1213) and Veterans Affairs offices (800-827-1000) can also help with any applicable survivor benefits.
- Assess your own legacy plan. During this time of grief, you may discover things that you wish your loved one would have done differently. You may feel more settled about the future by taking the time now to list all of your accounts, document locations and beneficiary information. There’s no need to tell others how much you have in your accounts or who your beneficiaries are, but you may want at least one person to know where to find your documents.