When a loved one passes away, it can be a dark and challenging time. You not only have to overcome and deal with your own grief, but you may have to handle many big tasks as well. If you have never experienced the death of a close family member before, knowing the proper steps to take to ensure all details are taken care of can be frustrating and very overwhelming. Here are several steps to help you through this process.
Get a Death Certificate
One of the most important things you will need is a death certificate. This will be required for completing many other tasks for your loved one such as filing for life insurance. While there are several methods for acquiring this certificate — such as through state where the death occurred — talk to your mortician or funeral director and they may provide additional tips for acquiring this certificate quickly.
Hire a Probate lawyer
If an immediate family member dies, understanding and knowing the proper steps to take regarding the individual’s money and assets can be challenging. A probate lawyer in Longmont can help all surviving family members know what steps they should take next and how to properly distribute the assets of the passing member. These individuals can help family members regardless if the passing individual had a will or not. If the individual had a will, the attorney can make sure that all assets are distributed according to the document. However, if there is no will, he or she can ensure that all assets are distributed according to the state law.
Contact Life Insurance Companies
Filing a claim and receiving life insurance can be a lengthy process and you should begin it as soon as possible. You will need various paperwork such as the death certificate to file the claim. Work with your insurance agent to understand what paperwork and documentation are needed. Additionally, be aware that some individuals have multiple life insurance policies and you will want to make sure you file a claim for each one. And as you speak with insurance agents, work to terminate all other policies such as auto, homeowners, health, etc.
Contact the Bank
If your loved one did not leave with a trust or a will, you will need to determine exactly what assets they had. You can discuss this information with the individual’s bank or financial planner who can help you work through the process of determining what assets and money is left and what needs to properly distributed.
Even though the death of a loved one can bring a long to-do list, take time to remember the memories and all the good times you had with the individual. Those are the experiences that will help you get through this challenging time.