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Other helpful information

On this page, you will find helpful information about many issues.  Please browse this page and feel free to contact us with any questions or comments about these or any other concerns. 

Death certificate copies
 
This is the permanent legal record of the death.  It contains personal information about the deceased, which your funeral director will ask you. Although the death certificates vary from state to state, it will probably include at least the following:
      deceased's name, address, educational level, date of birth, social security number, race, ethnicity, occupation, employer, parents’ names including mother's maiden name, dates and branch of service if a veteran, name and address of informant.

It also contains information about the death and its cause, which is completed by the deceased’s physician, the physician who pronounced the death (such as in a hospital or nursing home death) or the medical examiner in the case of an unexpected, accidental, or suspicious death. The funeral director will take care of all of this for you and will file the original death certificate with the state office of vital records. Because the cause of death is private information, you may want to inquire if your state offers a "short" form of the death certificate in which that information is omitted.

You will need certified copies of this to show proof of death when settling legal issues such as a will or the possession of assets (e.g. real estate, bank accounts, stocks, bonds, etc.) and life insurance claims, which are discussed below.  After determining how many copies you will need, your funeral director will also pick them up for you and add the cost to your bill. Although the current cost is $30 each in most of New York state, it usually ranges from $5-$10 in the rest of the country. Some financial institutions may make a copy of one of the certified copies to save you from having to order more. 

They are most easily obtained through your funeral director within a couple of weeks of the death. In many states, the death certificate is forwarded within a weeks or a few months, depending on the state, to the state's Office of Vital Records. Although they can be ordered online now through a few different sources, consult with your funeral director first to see if they can be gotten easily because they cost significantly more if ordered online. Keep in ming these copies are only available to those with a specific relationship to the deceased. Your funeral director can give you more details or you can check your state's details on their website. Just do a search such as - Florida death certificate copies. You'll get other results from companies that process death certificate requests but because they operate all over the country, they usually don't have the precise information about the laws that the official state website will. Here's an example using the previous example-

http://www.doh.state.fl.us/planning_eval/vital_statistics/deaths.htm 
Life insurance 
If you are the beneficiary, you must submit a claim to the life insurance company for the death benefit. You will need a certified copy of the death certificate to send with this claim. The claim will not be processed without it. Call the company or your agent to request a claim form.  Some insurance companies may have this form available for download and printing on their website. These forms are usually easy to understand and can be completed in a few minutes.  If there is more than one policy with the same company, they can be listed on the same claim form. If you need help with this, you may call your agent, the insurance company, or your funeral director will be glad to help you. Life insurance proceeds are usually paid within two weeks of receiving the claim.

If you intend to use the proceeds from the life insurance toward payment of the funeral expenses, your funeral director will help you complete the claim form and he/she may also ask you to sign a form to assign only the amount of the funeral expenses to the funeral home. The balance will be sent to you, the beneficiary from the insurance company. If the amount of the life insurance is enough to cover the funeral expenses, the funeral home may only require that you pay upfront for the amount of the "Cash Advances." This is money that is advanced on your behalf for payment for services outside of the funeral home’s costs.  i.e. clergy or church offering, cemetery or crematory costs, certified copies of the death certificate, flowers, newspaper notices, etc. 

Changing automobile ownership
 
Most states have a website for their Department of Motor Vehicles and they usually have lots of helpful information about what to do in registering or selling a car or boat when someone dies. They usually even have the forms you need to fill out so you can download or print them out before going to their office. 

Real estate transfers
 
These transfers are dependent on the provisions of the will.  It is best to consult with your attorney concerning this.

Wills and probate

Consult with your attorney or if you don't have one, ask around for the name of a reputable attorney for useful legal information. Call your clergy person or one closeby if you don't have one and he/she will know a few good ones.
Your funeral director, attorney, accountant and financial advisor are good resources for information and available services in your community for any of the issues listed above and any other concerns you may have.
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