When Death Certificates Are Needed


Sunset Point Cremation

2689 Sunset Point Road

Clearwater, FL 33759

727-723-3020

www.sunsetpointfuneralhome.com

 

 

TRANSACTIONS THAT MAY REQUIRE A DEATH CERTIFICATE

 

 

1.     LIFEINSURANCE: One certified copy for each company. Long Form “with cause”.

2.     PENSION:One certified copy. Long Form “with cause”.

3.     REALPROPERTY: If your Florida property is deeded in both names, the name of thedeceased will need to be removed from the deed. This can be done by recording acertified copy of the death certificate (without case of death) in the countywhere the property exists. This can be taken care of through your local Clerkof the Circuit Court at the County Courthouse. The charge for recording a deathcertificate will vary by county or state. If property is owned in severalcounties in Florida, you will need one certified copy of the death certificateper county. If property is owned in another state, you will need one certifiedcopy of the death certificate for these states also.

4.     AUTOMOBILEOWNERSHIP: If the automobile’s title is in your and the deceased’s name, itwill be necessary to file a death certificate with the Department of MotorVehicles in the County that you reside. Remember to also take the title withyou when you do go. There is a fee involved for this. If you own more than onevehicle (i.e. a car, a motor home, boat, motorcycle, etc.), take all of thesetitles with you when you visit the Department of Motor Vehicles. One deathcertificate will suffice.

5.     STOCKS,BONDS, ANNUITIES AND TRUST ACCOUNTS: One certified death certificate percompany (not per stock). Long Form “with cause”.

6.     VERTERANS:If the deceased veteran was receiving a pension or was in the service for therequired period, then the Burial Benefits Claim will need to be filed throughthe local VA office in St. Petersburg. A certified death certificate will beneeded to handle this. If the veteran expired in a VA Facility, transportationbenefits are available. If the veteran has VA insurance, you will need acertified death certificate for this. All honorable discharged veterans areentitled to a flag and a government marker.

7.     SOCIALSECURITY: If there is a surviving spouse, and in order to have the claimprocessed promptly, report the death to Social Security by calling this number(1-800-772-1213). You will need to report the name of the deceased, socialsecurity number and date of death. A phone appointment will then be scheduledat that time and paperwork will be mailed to you that will need to be complete.You will need a death certificate and a copy of your marriage license to obtainthe $255.00 death benefit. This is only paid to a surviving spouse. If thedeceased is single, widowed or divorced, there is no death benefit payable andno need for a certified copy of the death certificate. The funeral home files astatement of death to Social Security and this will suffice. We notify for you– and then you can make a follow up call 7-10 days.

8.     BANKACCOUNTS: Each bank will require a certified death certificate to remove thedeceased’s name from an account or accounts. If there is a surviving spouse, itis suggested that you leave the deceased’s name on one account to enable anychecks coming to the decedent to be deposited – even after the death hasoccurred. Generally, most banks copy the certified death certificate and returnthe certified death certificate to you.

9.     CREDITLIFE, LOANS, MORTAGES, ETC.: We find that some people carry credit life ontheir credit cards, individual loans, automobile loans or home mortgages.Presenting a certified death certificate to the companies or credit cardcompanies or banks that you have credit life on will pay the account off.Credit card companies, loan institutions or banks need to know if your spousehas expired, most times this can be done by a phone call or written note.Within the next couple of months, you will want to remove the deceased’s namefrom your: Car Insurance, Florida Power bill, Water bill, Cable bill, Telephonebill, Credit Cards, Loans, etc. If this is your spouse that has passed away andhe or she is the beneficiary on your Life Insurance Policy, you will need tochange the beneficiary. This will make it easier on your children and/or yourfamily.

 

DEFINITIONS:
Long Form DeathCertificate: Shows cause of death
Short Form Death Certificate: Does not show cause of death

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