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What to Do When Your Spouse Dies: A Step-by-Step Checklist
A free, practical guide to help you navigate the days and weeks ahead with clarity.
A Compassionate Guide
Losing a spouse is one of life's hardest moments, and the practical decisions that follow can feel overwhelming. This checklist breaks down what to do when a spouse dies into clear, manageable steps, from the first few days through the weeks that follow, so you can focus on what matters most.
1
The First Few Days
- Obtain several certified copies of the death certificate.
- Contact a funeral home to arrange services.
- Notify close family and friends.
- Secure the home, vehicles, and property.
- Arrange care for any dependents or pets.
2
Who to Notify
- Social Security Administration.
- Employer and pension providers.
- Life insurance companies.
- Banks and credit card companies.
- Mortgage or loan servicers.
- Utility companies and the post office.
3
Documents You'll Need
- Certified copies of the death certificate.
- Marriage certificate.
- Will or trust documents.
- Life insurance policies.
- Social Security numbers for both spouses.
- Recent financial account statements.
- Property deeds and vehicle titles.
4
Financial and Legal Next Steps
- Meet with an estate attorney or financial advisor.
- Retitle joint accounts and property.
- File for survivor benefits.
- Review and update your own estate plan and beneficiaries.
- Cancel or transfer subscriptions and memberships.
Free Download
Download the full checklist
Download our free, printable checklist below to keep track of every step at your own pace.
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