Death certificates are official legal documents required by virtually every institution when settling an estate. You will need 10-15 certified copies.
14 steps across 3 sections
1. Steps Process
- Initial order through funeral home — The funeral director typically handles the initial death certificate application and orders the first batch of copies. Order 10-15 copies.
- Additional copies from vital records — Contact your state or county vital records office for additional copies. Available online, by mail, or in person.
- Provide to institutions — Banks, insurance companies, Social Security, and government agencies require certified copies (not photocopies).
2. Key Details
- Cost: $5-$25 per certified copy (varies by state)
- Timeline: 1-4 weeks for initial certificates; additional copies may be faster
- Institutions requiring certified copies: banks, insurance, SS, courts, DMV, real estate, investment firms
- Some institutions accept certified photocopies; others require originals
- Amendments: If information is incorrect, contact vital records for correction
3. Where You'Ll Need Them
- Life insurance claims (each company needs one)
- Banks and investment accounts
- Real estate transfers
- Vehicle title transfers
- Pension/retirement claims
- IRS (final tax return)
Pro Tips
- Order more than you think you need — running out causes delays
- Some institutions return certificates after verification; some do not
- Digital death certificates are becoming available in some states
- Keep track of which institutions have your certificates