Notify the deceased's employer; ask about group life insurance, final pay, and 401(k) beneficiary contacts
The human resources or benefits department of their most recent employer, and of any former employer where benefits may remain.
Some steps differ by region inside the country.
Where
The human resources or benefits department of their most recent employer, and of any former employer where benefits may remain.
How
Ask HR specifically about group life insurance, accidental death coverage, and any unpaid wages, PTO, or bonus.
Ask for the plan administrator's contact details for the 401(k) or pension, and for the beneficiary designation on file.
Ask about COBRA continuation coverage for a surviving spouse and children, there is a strict election window.
Ask whether the employer offers any bereavement or survivor assistance benefit.
What to bring
A certified copy of the death certificate
Their employee ID or Social Security number
Proof of your relationship and your authority
Timing
Contact within the first week. COBRA elections generally must be made within 60 days.
This is practical information, not legal, medical, or financial advice.