Why And When Are Death Certificates Necessary?

In September 9, 2014

A death certificate may not be the document anyone wants to think about, but it does have an important purpose. There are several reasons why you may need to obtain a death certificate, typically to serve as proof for legal purposes. Fortunately, it can be fairly easy for an immediate family member to get a copy of this particular document, especially for the reasons  listed below.

Claiming Life Insurance – If you are the named beneficiary of a life insurance policy, no matter what your relationship to the deceased person was, you will need to produce a government issued copy of the death certificate in order to claim those benefits. The process for claiming life insurance can be slow and painful—getting a copy of the death certificate as quickly as possible can help to speed things along.

Pensions – If your spouse passes away, you may be entitled to benefits from his or her pension. However, you will have to provide various items to the company that issues it as proof of the death and of your relationship to the deceased person. One of the most important documents you will need is the death certificate.

Settling Estates – When a loved one dies, settling their estate can be a very long and difficult process. You may need multiple copies of the death certificate in order to claim investments, access bank accounts and real estate holdings. The more complicated the estate, the more copies of the death certificate you may need.

Medicaid Benefits – In some cases, a spouse or child of an individual who has passed away will be able to claim Medicaid benefits that the deceased was eligible to receive. However, the US Government is very particular about who they will pass these benefits on to—and with good reason. A death certificate and proof of your relationship to the deceased person may be necessary to claim these helpful benefits.

Future Marriages – Some states may require that a widow or widower who wants to remarry prove that his or her former partner has passed away. A death certificate is necessary in this matter and it can help resolve any doubt that the potential bride or groom is unable to remarry.

As you can see, a death certificate comes in handy more often than you may first think. Ordering an initial set of death certificate copies is usually handled by the Funeral Home as part of the services they provide. However, you may find that additional copies are needed for reasons noted above. Be sure to order these additional copies from the right source, either directly from the government agency or from an approved ordering service authorized by the agency.

Do you need to order a death certificate? Order official, certified death certificates here – quickly and securely.



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