Life changes
What to Do After a Death: Survivor Money Checklist
By the ForLowerBills team
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We're so sorry for your loss. When you're ready, this gentle checklist walks through the money steps that usually come first. Take them one at a time.
Tell Social Security
The funeral home usually reports the death to Social Security for you. Ask them to confirm that they have. Social Security (ssa.gov) (opens in a new tab)
Ask about survivor benefits and the lump-sum payment
Social Security pays a one-time $255 lump-sum death payment to an eligible surviving spouse or child. You must apply within 2 years. Ask about survivor benefits at the same time. SSA: Survivor benefits (opens in a new tab)
Cancel or switch bills
- Phone
- Streaming services and subscriptions
- Memberships
- Utilities: if you live in the home, move them into the survivor's name rather than canceling.
Protect their identity
Sadly, a loved one's identity can be misused after they pass. The FTC and IRS share guidance on what to do. FTC consumer advice (opens in a new tab) · IRS (opens in a new tab)
Probate basics
Probate rules vary by state. Florida readers can start with Florida Courts self-help. Florida Courts (opens in a new tab)
Frequently asked questions
Who reports a death to Social Security?
The funeral home usually does it for you. Ask them to confirm.
How long do I have to apply for the lump-sum death payment?
You must apply within 2 years. It's a one-time $255 payment to an eligible surviving spouse or child.
Should I cancel the utilities?
If you live in the home, move them into the survivor's name rather than canceling.
Related guides
— the ForLowerBills team
General information only, not legal, medical, tax or financial advice.
Affiliate disclosure: some links on our site may be affiliate links. We may earn a commission at no extra cost to you. How we make money.