What to do if someone dies in their sleep?

If your partner dies of natural causes or in their sleep: If there is no medical professional with you, call 911. This will start the process of getting a legal death pronouncement, whether it's given in your home by a paramedic or at the hospital by a doctor or nurse. Call your funeral services provider.

lhlic.com - Checklist for Who to Call & What to do When Someone Dies

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Documents You Need When a Spouse Dies

In order to take care of everything you’ll need to get done in the days, weeks, and months after your spouse dies, you’ll need a variety of documents. If you’re not sure where any of these are, check with your lawyer, CPA, family members, and friends to see if they have them. If you’re still missing some after checking with these individuals, search your loved one’s file cabinets, personal safe, and bank safe deposit box. In a worst-case scenario, you may need to contact legal or business entities, such as the city clerk for a marriage license or a doctor’s office for medical records.

These are the documents you’ll need after your spouse dies:

Birth certificate

Death certificate

Will

Marriage certificate

Financial account records, including checkings and savings accounts, retirement accounts, pension accounts, loan accounts, and investment accounts like trusts

Real estate records, including deeds and lease agreements

Other real property deeds, including for cars, boats, and RVs

Recent credit reports from all three credit bureaus (Equifax, Experian, and TransUnion) that list outstanding debts

Military service records and discharge papers

The last three years of tax returns

Medical records

What to do When a Spouse Dies at Home

If your spouse dies at home:

If there is no doctor, nurse, or qualified medical professional present, call 911 to get a legal pronouncement of death, making sure you have their DNR for the paramedics. Your loved one may be taken to the hospital for the declaration of death to be made. Your loved one may be taken to the hospital for the declaration of death to be made. Contact a funeral home, mortuary, or crematorium to pick up your loved one’s body from your home or the hospital.* Once you’ve taken these actions, use our above checklists to take care of the other things you’ll need to do after the death of your loved one. *Note: Some funeral homes offer their services 24 hours a day, but others only operate during normal business hours. If your service provider won’t pick up your loved one’s body during off-hours, the ambulance will need to take it to the morgue so it can be picked up the following morning.

What to do When a Spouse Dies at Night

If your spouse dies at night:

Unless they are in hospice or have a full-time caregiver, call 911. They will send a paramedic to give you a legal death pronouncement or to transport your partner to the hospital so a nurse or doctor can provide one. From here, follow the checklists above to handle the remaining tasks that need to be done.

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*Note: Some funeral homes offer their services 24 hours a day, but others only operate during normal business hours. If your service provider won’t pick up your loved one’s body during off-hours, the ambulance will need to take it to the morgue so it can be picked up the following morning.

Who do You Call When a Spouse Dies of Natural Causes or in Their Sleep?

If your partner dies of natural causes or in their sleep:

If there is no medical professional with you, call 911. This will start the process of getting a legal death pronouncement, whether it’s given in your home by a paramedic or at the hospital by a doctor or nurse. Call your funeral services provider. They will arrange for the body to be transported to their facility.* *Note: Some funeral homes offer their services 24 hours a day, but others only operate during normal business hours. If your service provider won’t pick up your loved one’s body during off-hours, the ambulance will need to take it to the morgue so it can be picked up the following morning.

Who to Call When a Spouse Dies

In addition to calling 911 and your funeral service provider after your spouse passes away, you’ll need to contact others about the death of your loved one. Your closest family members. Your children, parents and parents-in-law, siblings and siblings-in-law, and other close relatives should be among the first people you call. They can help you contact other loved ones along with the professionals and agencies you’ll be working with to make final arrangements and settle the estate. Your children, parents and parents-in-law, siblings and siblings-in-law, and other close relatives should be among the first people you call. They can help you contact other loved ones along with the professionals and agencies you’ll be working with to make final arrangements and settle the estate. Your spouse’s employer.

Your employer.

Your children’s teachers and school administration.

Service Providers to Call When a Spouse Dies

The funeral planner.

Your spouse’s life insurance providers, including their burial insurance policy holder.

The HR departments of your spouse’s former employers. They may qualify for life insurance coverage or a pension through companies they previously worked for. They may qualify for life insurance coverage or a pension through companies they previously worked for. Your estate attorney.

Your CPA.

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Personal finance professionals you work with as well as financial institutions where your spouse had accounts. Account types you’ll need to update include checkings and savings, credit cards, investments like 401(k)s and individual retirement accounts (IRAs), and loans such as mortgages and auto loans. Account types you’ll need to update include checkings and savings, credit cards, investments like 401(k)s and individual retirement accounts (IRAs), and loans such as mortgages and auto loans. Utility companies where your spouse is the account holder.

Companies your spouse had subscriptions to.

Government Agencies to Call When a Spouse Dies

The Social Security Administration (SSA). This will stop any Medicare, Medicaid, and other government benefit payments your spouse received. This will stop any Medicare, Medicaid, and other government benefit payments your spouse received. The Department of Motor Vehicles (DMV). Notifying the DMV that your loved one has passed away helps prevent identity theft by removing your loved one’s name from the agency’s records so that no more mail is sent to them. Notifying the DMV that your loved one has passed away helps prevent identity theft by removing your loved one’s name from the agency’s records so that no more mail is sent to them. The Department of Veterans Affairs (VA). The SSA will communicate the death to the VA once you report it. However, to receive life insurance and death benefits your loved one was eligible for through their military service as quickly as possible, you should contact the VA directly.

What to do When a Spouse Dies Without a Will

If your husband or wife died without a will, you’ll need to go to probate court within a couple of weeks after their death. Since there is no will, there is no designated agent to settle their affairs. A probate court judge will name an individual to be responsible for these duties, called an administrator, which is often the spouse. Because settling an estate through probate court can be more complicated than doing so with a will where their beneficiaries and final wishes are clearly stated, it’s a good idea to work with an estate attorney for this process. Probate can take years to be finalized, so try your best to find an existing will before pursuing this process.

lhlic.com - Checklist for Who to Call & What to do When Someone Dies