Losing someone close to you is overwhelming. On top of grief, there are practical matters that need attention. Some require action within days, others within weeks. Knowing what to do first can help you move through this difficult time without missing important steps.
The first few days
Start by obtaining multiple certified copies of the death certificate. In Ohio, you can request these through the local health department where the death occurred or through the Ohio Department of Health. You will need certified copies for banks, insurance companies, government agencies and the probate court.
The funeral director usually handles notifying Social Security on your behalf. If the director does not, contact the agency yourself within a few days. You must return any benefits paid for the month of death.
Locate important documents
Gather any estate planning documents your loved one created. These may include a will, trust, powers of attorney and beneficiary designations for retirement accounts or life insurance. If you cannot find a will, check with the attorney who may have prepared one. Knowing what documents exist and where they are will shape everything that comes next.
Notify financial institutions
Contact banks, credit card companies and investment firms to report the death. Banks may freeze some accounts until the estate settles, while others with named beneficiaries can transfer directly. Keep a record of every call you make and every letter you send.
Understand Ohio’s probate process
Not every estate goes through probate. Accounts with beneficiary designations, jointly held property and assets in a trust often pass directly to heirs. For everything else, the executor named in the will must file paperwork with the county probate court.
Under Ohio law, once the court admits a will to probate, the executor must notify the surviving spouse, heirs and beneficiaries within two weeks. The executor must then file periodic accounts with the court until the estate is closed. Having a solid estate plan in place makes this process easier for everyone involved.
Take time to grieve
There is no rule that says you must handle everything immediately. Some tasks are urgent, but others can wait. Lean on family, friends or professionals who can help carry the load.