What to Do When a Loved One Dies

Immediately after death 

Who do I notify when someone dies? 

• Medical personnel: If your loved one passes at home and not in hospice, call 911 so a declaration of death can be issued. 
• Hospice or facility staff: In care facilities, staff will guide you through the initial steps. 
• Close family and friends: Ask a trusted family member or close friend to help notify others. 
• Funeral director: A licensed funeral director can help begin arrangements and order certified death certificates. 

You may also need to notify: 

• Employers 
• Insurance companies 
• The deceased’s attorney or financial advisors 
• Caregivers or pet sitters 

2. Within a few days 

What documents do I need? 

Gather and secure critical legal documentation such as: 

• Will and power of attorney forms 
• Property deeds and vehicle titles 
• Life insurance and health insurance policies 
• Bank, credit card, and investment statements 
• Tax records and Social Security information
• You’ll also need 5–10 certified death certificates. These can often be ordered through the funeral home. 

For guidance on paying or managing someone else’s financial obligations, visit our resource on estate responsibilities. 

3. Legal and financial tasks 

How do I handle their finances? 

• Bank accounts and investments: Notify the deceased’s financial institutions. If an account is jointly held, ownership may transfer automatically. For solo accounts, the executor usually handles them. 
• Debts and creditors: Keep track of incoming bills. Contact credit card companies and lenders to inform them of the death. 
• Government agencies: 
  • Contact the Social Security Administration to report the death and inquire about possible death benefits. 
  • Veterans may have additional support via the Department of Veterans Affairs. 
• Credit Report: Notify the major credit bureaus—Equifax®, Experian®, and TransUnion®—to prevent identity theft. 

Tip: Some identity thieves search social media for death announcements to commit fraud. Limit how much you share publicly and monitor the deceased’s accounts. 

Emotional support resources 

This time is heavy with grief. In addition to handling tasks, prioritize your well-being. Consider: 

• Local grief counseling centers 
• Support groups for those grieving loss 
• Online mental health services 
• Spiritual or community organizations 

If you're a GECU member needing guidance, reach out to our Relationship Banking team at: 513.204.4899 or email: [email protected]. 

Want additional help planning for the future? GECU members also have access to estate planning support from Wood + Lamping LLP. Reach out for a no-cost consultation with their experienced team.*