Post-Death Notification Checklist: Who to Contact & What to Say
After the loss of a loved one, there are many emotions to process—and unfortunately, many practical matters to address. One of the most important tasks is notifying the appropriate individuals, agencies, and companies. This helps prevent identity theft, ensures benefits are managed correctly, and initiates important account closures or transfers.
At JM Thomas Law, we want to make this process as manageable as possible. Below is a step-by-step checklist of who to contact after a loved one’s death, along with what to say when making these notifications.
1. Government Agencies
Who to Contact:
Social Security Administration (SSA)
Michigan Secretary of State (for driver’s license)
Veterans Affairs (if applicable)
What to Say:
"I am calling to report the death of [Full Name], who passed away on [Date]. I would like to understand what steps are needed to notify your agency and close or update any relevant accounts or benefits."
2. Financial Institutions
Who to Contact:
Banks and Credit Unions
Credit card companies
Investment firms
What to Say:
"I am the [executor/personal representative/spouse] of [Deceased's Name]'s estate. I'm notifying you of their passing and would like guidance on next steps for managing or closing their accounts."
3. Insurance Providers
Who to Contact:
Life insurance companies
Health insurance providers
Auto, home, and other insurers
What to Say:
"I am calling to notify you that [Deceased's Name] has passed away. They had a policy with your company. I would like to start the claims process or get information on how to proceed."
4. Utility Companies & Service Providers
Who to Contact:
Electric, gas, water, and sewer companies
Internet, cable, and phone providers
Trash and recycling services
What to Say:
"I am notifying you that [Name] has passed away. They had service at [Address]. Please let me know what documentation is required to discontinue or transfer service."
5. Employer or Former Employers
Who to Contact:
Current or former employer HR departments
What to Say:
"I am informing you of the passing of [Name], who worked for your company. I would like to know how to access any remaining pay, benefits, or retirement funds."
6. Credit Bureaus
Who to Contact:
Experian, Equifax, and TransUnion
What to Say:
"I am notifying you of a death to help prevent identity theft. Please flag the account of [Name] as deceased. I can provide a death certificate upon request."
7. Subscription Services and Memberships
Who to Contact:
Magazines, clubs, streaming services, gyms, etc.
What to Say:
"I am contacting you to cancel the subscription or membership of [Name], who has passed away."
Additional Tips:
Keep a log of all contacts made, including the date, the person you spoke with, and what was discussed.
Have multiple copies of the death certificate ready to send.
Use certified mail or request written confirmation for important communications.
Taking these steps can feel daunting, but you don't have to do it alone. At JM Thomas Law, we help families navigate every part of the estate process with clarity and compassion.
If you need legal guidance during this time, reach out to us for a consultation. We’re here to help.