Dealing with the death of a loved one is incredibly challenging. However, it’s necessary to handle their affairs even during the grieving process. Ordering a death certificate after a loved one passes is one of the most important documents to complete these tasks. A legal record of death is needed to settle estates, file insurance claims and handle other legal and financial matters.
What Is a Death Certificate?
A death certificate is an official document that records the details of a person’s death. It typically includes the deceased’s name, date of birth, date of death, place of death and the cause of death. Many institutions require a death certificate to recognize a person’s death and begin acting accordingly.
Some of the main reasons you might need a death certificate include:
- Settling the Estate: You will need a death certificate to manage and distribute the deceased’s estate. Financial institutions, probate courts and other entities will require this document to release funds, transfer property and settle debts.
- Filing Insurance Claims: Life insurance companies require a death certificate to process claims and release benefits to the beneficiaries. Without this document, the claim cannot proceed.
- Closing Accounts: To close or transfer accounts held in the deceased’s name, whether bank accounts, credit cards, or utility services, you will need a death certificate.
- Government Benefits: Agencies such as Social Security and the Veterans Administration require a death certificate to stop benefits and possibly apply for survivor benefits.
Who can Get a Copy of a Death Certificate?
Death certificates are typically available to immediate family members, such as spouses, children, parents and siblings. Sometimes, extended family members or legal representatives may also request a copy. The specific eligibility can vary by state, so it’s important to check local regulations.
How can I Obtain a Death Certificate?
There are a few places you can obtain a death certificate. Three options include:
Through the Funeral Home: The easiest way to get a death certificate is through the funeral home handling the arrangements. Funeral directors usually take care of the paperwork and can request multiple copies of the death certificate on your behalf. Often, you may need to pay for death certificates above the amount the funeral home is able to supply.
From the State Vital Records Office: If you need additional copies or did not obtain them through the funeral home, you can request them from the state or county vital records office where the death occurred. Most states have an online request system, or you can apply in person or by mail.
Online Services: Several online services specialize in obtaining vital records, including death certificates. Websites like VitalChek provide online order services. However, be prepared to provide necessary information and pay a service fee.
What Information Should I Provide?
When ordering a death certificate, you must provide certain information to verify your identity and relationship to the deceased. This information typically includes:
- Full name of the deceased
- Date and place of death
- Your relationship to the deceased
- Reason for requesting the certificate
- Your contact information
How Long Does It Take to Get a Death Certificate?
The time it takes to receive a death certificate can vary. According to NerdWallet, it takes about two to four weeks after the death is registered. This time frame can be longer if there are delays in the paperwork or if additional copies are requested later.
How Many Death Certificate Copies Do You Need?
It’s advisable to get several certified copies of the death certificate. Many institutions will require an original copy, and having multiple copies can speed up settling the deceased’s affairs. On average, you might need 5-10 copies. However, the exact number depends on the complexity of the estate and the number of institutions you need to notify.
Estate Planning Can Help You Handle the Death of a Loved One
Dealing with a loved one’s death is never easy. However, having a plan in place can make the process more manageable. A will can clarify questions of inheritance, while trusts can preserve the value of your estate and direct your assets to specific goals.
If you have questions about estate planning or need assistance obtaining a death certificate, contact our law firm today. Go online to schedule a free phone consultation with either attorney Jayson Lenox or attorney Caroline Daiker Stolzer.
Key Takeaways
- Essential for Legal Processes: Death certificates are required to settle estates, file insurance claims and close accounts.
- Multiple Sources Available: Death certificates can be obtained through funeral homes, state vital records offices, or online services.
- Have Required Information: Be prepared to provide details like the deceased’s name, date of death and your relationship to the deceased.
- Multiple Copies Needed: Getting several certified copies for different institutions is advisable.
Reference: NerdWallet (Jan. 18, 2023) “How to Get a Death Certificate, How Long It Takes”
