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When a person dies, the executor of their will must take over responsibilities.
My parents kept one checking account out of their trust and wisely added me to it several years ago. I was able to write the checks for my dad's bills and funeral expenses out of that account.
Be warned, too, that from this point on, any checks sent to your sister (refunds from cancelled annual payments, for example) have to be made out to "The Estate of" your sister, or the bank won't honor them. I received a check refunding my dad's unused Auto Club payment, and the bank wouldn't take it. The AAA was fine with reissuing the check, but it just took that extra step I didn't really need. Oddly, I received a check for him just a couple of weeks ago, properly made out to his estate, and he died in November 2018. It was the value of unused points from a credit card he had.
End of life is a tough time for so many people, and you not only need to set up your proper paperwork like a will, POAs and an Advance Medical Directive, but ideally we should have someone we fully trust that we can put on our bank accounts before they really NEED to be on those accounts. I never wrote a check or even knew the balance on my parents' account until I took over, but thank goodness for my dad's foresight to put me on as a co-signer. He also put me on his car as a co-owner, which made it very easy for me to sell.
Thanks for your wise advice.
It is unfortunate that there is so little education around the processes and procedures of death.
This is also a good example of why prepaying and planning a funeral is a great idea. When my step dad was dying just over 2 years ago I called the funeral home where he had prepaid. They pulled his file and gave me the after hours number to call.
When he died, it was in the hospital with Mum and I present. I called the number and they were there within the hour to pick him up. He did not go into the hospital morgue. The next day Mum and I met with them, then the minister and had everything organized quickly. We only had to pay for the funeral tea, the music and minister at the church.
If there is minimal assets it doesn't make any sense to file probate or create a Trust. Each state has protocol for dealing with these situations, your states attorney general website is a great resource to find out what you need to do in your state.
I am so sorry for your loss. May God give you strength and wisdom during this difficult time.
One difficulty has been waiting for the death certificate. We were told it would take 4-6 weeks as there was an overload of deaths. I am the executor and need this document to file for her life insurance and other financial instruments.
I think the POA documents should always specify that it ends at death but none of them do.
I went to a Lawyer at once and got my papers of certification of Trust with myself as Trustee. The estate will need an EIN from the IRS. Originally I went through the application snail mail because online was complicated. It took three months for them to return a letter with questions and no EIN. I then let the Lawyer get the EIN and it took her only minutes. Once the EIN is in hand (I recommend the lawyer route-- my total costs at the Lawyer were 500.00.) you can get the accounts changed to "The estate of" and the executor uses this to settle out the will and distribute to the beneficiaries.
My advice honestly is to go to a Trust and Estate attorney. Let him or her know this is to settle and do filings on the estate of a deceased, not to create a Trust, as some don't do the former.
Mom died in October: I had her estate settled by the end of the year. I didn't have to go through probate; I didn't have to involve a lawyer. It was relatively simple.
My husband and I are going to do the same thing.
Did your sister leave a will naming an executor?
If she did not (that is called "dying intestate") you will need to go to court to have someone appointed administrator of her estate.
I am surprised that the lawyer who prepared the Power of Attorney did not explain that it ended at death.