配偶或父母去世时的清单
When you lose a spouse, partner, or parent, the grief can be overwhelming. 在悲伤中，生活还在继续. 要做些安排, things to be taken care of – and in recognition of this reality, 这里有一个清单，你可能会发现在这种时候有用.
首先，收集资料. 如果需要，可以向其他家庭成员寻求帮助. 从收集以下内容开始.
- 遗嘱、信托或其他遗产文件. If none of these exist, you could face a longer 法律 process when settling the person’s estate.
- 社会安全卡/号码. Generally, the person’s Social Security number will be retired shortly following the death. If you are uncertain, consider checking with the Social Security office.
然后，收集这些额外的非常重要的物品.
- 任何帐目报表
- 不动产契据/业权
- 汽车所有权或租赁协议
- 存储空间密钥/帐户记录
- 任何到期的账单或信用卡对账单记录
- 任何社交媒体平台信息(如适用)
Last, but not least, look for a computer file or printout with digital account passwords. 在他们所爱的人去世之前, some 家庭成员 may try to centralize all this information or state where it can be found.
另外，看看这个人是否留下了指示信. A letter of instructions is not a 法律 document; it’s a letter that provides additional and more-personal information regarding an estate. 它可以寄给任何你选择的人, 但通常, 指示信是写给遗嘱执行人的, 家庭成员, 或受益人.
接下来，处理一些紧迫的需求. 一个, 联系殡仪馆安排瞻礼, 火葬, 或埋葬, 按照死者的意愿.
两个, call or email the county clerk or recorder to request 10 to 12 death certificates; a funeral home director can often help you with this matter. (各县通常对每份副本收取少量费用.) 10到12份可能显得太多了, but you may need that many while working with insurance companies and various financial institutions.
三个, 如果这个人还在工作, contact the human resources officer at your loved one’s workplace to inform them what has happened. The HR officer might need you to fill out some paperwork pertaining to retirement plans, 健康的好处, 以及未使用假期的补偿.
四个, consider speaking with an attorney – this can be the lawyer who helped your loved one create a will or estate plan. 你所爱的人应该在没有遗嘱的情况下死去吗, you may want to contact a lawyer for an overview of how the probate process will work and see to what degree you might become liable if your loved one had any outstanding debt obligations.
Five, resolve to keep track of any recurring debts that your loved one had set to autopay. Consider placing the monthly bills for these debts in your name (or another family member or the executor).
Notify creditors and credit card companies that were part of your loved one’s credit history. 债权人可能想知道现有债务何时会得到偿还, 要么是你，要么是你所爱的人的遗产. You can also notify the “big three” credit bureaus – Experian, Equifax, 和TransUnion——他们的逝去, 哪些通常可以在网上完成, 通过电话, 或者通过信件.
Following these steps, address financial, insurance, and credit matters. 投资 and retirement plan accounts and insurance policies should have beneficiaries, so reach out to the financial and insurance professionals who helped your loved one as well as the person overseeing their workplace retirement plan. Talk with these professionals to learn about the possible tax implications from inheriting these assets.
State and federal taxes for your loved one will also need to be paid, 并有可能, 他们去世那年的其他税收.
还记得, this article is for informational purposes only and is not a replacement for real-life advice, 所以一定要咨询你的税务, 法律, and accounting professionals before modifying your any tax or estate strategy.
If your loved one owned a small business or professional practice, a discussion with business partners (and clients) may be necessary as well as a consultation with the attorney who advised that business.
照顾好你的未来. Working through several of these issues may help bring closure to your loved one’s estate.
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