If you’ve recently lost a loved one, you know how overwhelming it can be. You’re grieving, but you may also be trying to take care of their affairs. As you navigate the complicated world of funeral planning, life insurance, Medicaid, and estate settlement, one item you’ll need for everything is a death certificate.
Death certificates are official documents that provide the name of the deceased, the date, time, and place of death, and the cause of death. Different states have their own requirements for death certificates, so other details may be included, like the deceased’s birth date, Social Security number, or their parents’ names. Basically, death certificates provide official confirmation of a person’s death.
While obtaining death certificates may seem like an extra hassle at a time when you’re grieving, they play a necessary role in estate settlement. Plus, they can help you and your family members accept the death of your loved one. Here are 3 things you need to know about these important documents:
1. Why You’ll Need a Death Certificate
As you work through your loved one’s affairs, you’ll likely need 5-10 copies of the death certificate. The funeral home or crematory you work with will need a death certificate to get a burial or cremation permit. You’ll also need a death certificate to claim life insurance, close accounts, and transfer ownership of any vehicles, real estate, or other property. If your spouse has died, you’ll also need a death certificate to manage their pension or Medicaid or if you plan to remarry. Some companies will accept a copy of the death certificate, but insurance agencies typically need an official certificate.
If your loved one was a veteran, you’ll also need a death certificate for the veterans’ burial benefits provided by the VA. Whether your loved one’s death was service-related or took place after they were discharged, your family will need to present the death certificate at the VA’s office when you request burial benefits.
But death certificates are more than just legal records. By officially documenting someone’s death and what caused it, death certificates can provide some closure for your family. If your loved one died unexpectedly, knowing the official cause of death can give you and your family peace of mind as you begin your grief journey.
2. Who Supplies the Death Certificate
While states have different requirements about death certificate filing, funeral directors must file them within 72 hours of the death. When you speak with a funeral director after the death of your loved one, they’ll need certain information to submit the death certificate. A coroner, physician, or medical examiner will also need to sign the certificate before it’s filed to certify the cause of death.
To get copies of a death certificate, you’ll likely request them from the funeral home or your local vital records office. Some states also offer the option to request a death certificate on their website. Additionally, there are third-party websites you can use to request death certificates.
If you choose to request death certificates online, make sure to choose a reliable site. You’ll also want to make sure that you’re requesting an official copy of the death certificate. Some sites offer informational copies, unofficial certificates, or death verification letters, which aren’t official documents. If you’re unsure if a site is reliable, ask your local funeral provider or your state’s vital records office.
3. What Information You Need to Request a Death Certificate
Laws about requesting death certificates vary in different states. In many areas, only a spouse, parent, child, sibling, or legal representative can request a death certificate. To request a certificate, you’ll need to bring an ID and proof that you’re related to the deceased, like your birth certificate or your marriage license. Extended family members may be able to request a death certificate with written permission from an immediate family member.
To request the certificate, you’ll likely need the following information about the deceased:
- Full legal name
- Social Security Number
- Date of birth
- Date of death
- Place of death
- Father’s legal name
- Mother’s maiden name
Some states may require you to provide other information, like their last known address, race, birthplace, or marital status. If you’re missing any of the above information, you may be able to request a birth certificate to find it.
As mentioned above, it’s a good idea to request 5-10 copies of the death certificate so you have plenty on hand. Pricing differs in each state, but death certificates usually cost between $5 and $25. Some states offer discounted pricing when you order more than one death certificate at a time. For example, the initial certificate may cost $20, but you only pay $5 for each additional certificate.
While navigating the world after your loved one’s death, don’t be afraid to ask for help. Your local funeral provider can be a knowledgeable source of information. You can also speak with your attorney as you navigate estate settlements and life insurance. As you begin your grief journey, don’t be afraid to accept help from those around you and to take time to process your emotions.
DISCLAIMER: Individual circumstances and state laws vary. If you have questions about obtaining a death certificate, please contact a licensed funeral professional or local vital record’s office.