Dealing with the death of a loved one is incredibly challenging. The most important thing to do first is give yourself grace and allow yourself to grieve. However, there are some simple tasks you can do to get started with handling their affairs and some of us really need something to do when we are dealing with tough emotions. A death certificate is one of the most important documents to complete these tasks. A legal record of death is needed to settle estates, file insurance claims and handle other legal and financial matters.

What Is a Death Certificate?

A death certificate is an official document that records the details of a person’s death. It typically includes the deceased’s name, social security number, date of birth, date of death, place of death and the cause of death. Many institutions require it to recognize a person’s death and begin acting accordingly.

Some of the main reasons you might need a death certificate include:

  • Settling the Estate: To manage and distribute the deceased’s estate. Financial institutions, probate courts, and other entities will require this document to release funds, transfer property, and settle debts.
  • Filing Insurance Claims: Life insurance companies require a death certificate to process claims and release benefits to the beneficiaries. Without this document, the claim cannot proceed.
  • Closing Accounts: To close or transfer accounts held in the deceased’s name, whether bank accounts, credit cards, or utility services.
  • Government Benefits: Agencies such as Social Security and the Veterans Administration require a death certificate to stop benefits and possibly apply for survivor benefits.

Who can Get a Copy of a Death Certificate?

Death certificates are typically available to immediate family members, such as spouses, children, parents and siblings. Sometimes, extended family members or legal representatives may also request a copy. The specific eligibility can vary by state, so it’s important to check local regulations.

How can I Obtain a Death Certificate?

There are a few places you can obtain a death certificate. Three options include:

Through the Funeral Home: The easiest way to get a death certificate is through the funeral home handling the arrangements. Funeral directors usually take care of the paperwork and can request multiple copies of the it on your behalf.

From the State Vital Records Office: If you need additional copies or did not obtain them through the funeral home, you can request them from the state or county vital records office where the death occurred. Most states have an online request system, or you can apply in person or by mail.

Online Services: Several online services specialize in obtaining vital records, including death certificates. Websites like VitalChek provide online order services. However, be prepared to provide necessary information and pay a service fee.

Death Certificates in Saint Louis, Missouri

In Missouri, vital records can be ordered and processed either through the state or through the county in which the deceased resided.

If your loved one resided in the City of St. Louis, you can get information here: https://www.stlouis-mo.gov/government/departments/recorder/vitals/death-records/death-certificates.cfm

If your loved one resided in St. Louis County, you can get information here: https://stlouiscountymo.gov/st-louis-county-departments/public-health/birth-and-death-records/

To order death certificates in Missouri generally, here is a link to the State of Missouri Vital Records page: https://health.mo.gov/data/vitalrecords/obtain-vital-record.php

What Information Should I Provide?

When ordering a death certificate, you must provide certain information to verify your identity and relationship to the deceased. This information typically includes:

  • Full name of the deceased
  • Date and place of death
  • Your relationship to the deceased
  • Reason for requesting the certificate
  • Your contact information

How Long Does It Take to Get a Death Certificate?

The time it takes to receive a death certificate can vary. According to NerdWallet, it takes about two to four weeks after the death is registered. This time frame can be longer if there are delays in the paperwork or if additional copies are requested later.

How Many Death Certificate Copies Do You Need?

It’s advisable to get several certified copies of the death certificate. Many institutions will require an original copy, and having multiple copies can speed up settling the deceased’s affairs. On average, you might need 5-10 copies. However, the exact number depends on the complexity of the estate and the number of institutions you need to notify.

Estate Planning Can Help You Handle the Death of a Loved One

Dealing with a loved one’s death is never easy. However, having a plan in place can make the process more manageable. A will can clarify questions of inheritance, while trusts can preserve the value of your estate and direct your assets to specific goals.

If you have questions about estate planning or need assistance obtaining a death certificate, Book a call with us today. Our attorneys are licensed in Missouri and our law firm services all of the St. Louis Metropolitan Area. We are especially convenient for estate planning in Clayton, Brentwood, Des Peres, Frontenac, Glendale, Webster Groves, Kirkwood, Ladue, Maplewood, Olivette, Overland, Richmond Heights, Rock Hill, Shrewsbury, Town and Country, Creve Coeur, Affton, Crestwood, Sappington, Sunset Hills, Maryland Heights, University City, Warson Woods, and St. Louis City.

Key Takeaways

  • Essential for Legal Processes: Death certificates are required to settle estates, file insurance claims and close accounts.
  • Multiple Sources Available: Death certificates can be obtained through funeral homes, state vital records offices, or online services.
  • Have Required Information: Be prepared to provide details like the deceased’s name, date of death and your relationship to the deceased.
  • Multiple Copies Needed: Getting several certified copies for different institutions is advisable.

Reference: NerdWallet (Jan. 18, 2023) “How to Get a Death Certificate, How Long It Takes”