How to Reduce the Risk of Identity Theft When a Loved One Dies

A new trend in identity theft – afterlife identity theft – is on the rise, with thieves scouring obituaries for personal information to steal the identities of those who have passed.  When you lose a loved one, it is important to take quick action and notify a number of institutions and government agencies about the death to help prevent afterlife identity theft.

The National Funeral Directors Association provides a list of government and credit reporting agencies, creditors and banks for notification, including:

  • Social Security Administration
  • Veteran’s Administration (if the decedent formerly served in the military)
  • Defense Finance and Accounting Service (military service retiree receiving benefits)
  • Office of Personnel Management (if the decedent is a former federal civil service employee)
  • U.S. Citizen and Immigration Service (If the decedent was not a U.S. citizen)
  • State Department of Motor Vehicles (If the decedent had a driver’s license)
  • Credit card and merchant card companies
  • Banks, savings and loan associations and credit unions
  • Mortgage companies and lenders
  • Financial planners and stock brokers
  • Pension providers
  • Life insurers and annuity companies
  • Health, medical and dental insurers
  • Disability insurers
  • Automotive insurer
  • Mutual benefit companies
  • All three credit reporting agencies: Experian, Equifax, and TransUnion
  • Any memberships held by the decedent (ex: health clubs, professional associations, clubs, library etc.)

The NFDA recommends that you notify these entities first by phone followed by a written confirmation, where you will need to provide a certified copy of the death certificate, the decedent’s Social Security number and, if you are the executor or administrator of an estate, the verification of your appointment by a probate court.  Be sure to ask the funeral home you are using if they can provide notification services for you, as many do.

If you have any questions or would like to discuss this further, call our office at 530-581-5455 today to schedule an appointment with Jill Gregory, your local Tahoe City Personal Family Lawyer®.

This article is a service of Jill Gregory Law, Personal Family Lawyer®. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That’s why we offer a Life and Legacy Planning Session™, during which you will get more financially organized than you’ve ever been before, and make all the best choices for the people you love. You can begin by calling our office today at 949-514-8842 or 530-581-5455, or click here to schedule a Get Acquainted Call. Mention this article to find out how to get this $750 session at no charge.