Blog Post

How To Protect A Deceased Loved One From Identity Theft

Engage Team • Nov 28, 2016

Identity theft is a real risk in modern society. We are constantly dropping bits of information here and there: PIN numbers, account numbers, birth dates, social security numbers. It puts our identities at risk for fraudulent use and the identities of the deceased are just as vulnerable.
A 2012 ID Analytics study reported that nearly 800,000 deceased Americans’ identities are falsely used to apply for credit cards and cell phone services. In about 1.6 million applications every year, a thief used a deceased person’s SSN by accident. This amounts to a rate of 2,000 cases of identity misuse for deceased people every day.

How Identity Theft Happens
Identity thieves have a number of channels for getting information about a deceased person’s identity. Obituaries, death certificates, and the online Social Security Death Index all present opportunities for these thieves to get the information they need to take fraudulent action.
In rare cases, the thief is a family member or friend who is taking advantage of the situation. This is more common if the deceased person experienced a long period of sickness or declining mental condition. Unresolved disagreements about a loved one’s assets and finances can also lead to identity theft by a disgruntled party.

Identity theft can be a major hassle for the family that is left behind — and a hassle is the last thing anyone needs when dealing with the loss of a loved one. If a thief manages to open a credit card with your deceased loved one’s identity, banks could come after the family if and when the bills aren’t paid. While the family isn’t obligated to pay these debts, it certainly creates a serious headache.

What You Can Do to Prevent Identity Theft
This problem can often go “under the radar” for family members amidst grief of losing a loved one. It is important that you take the necessary steps to prevent this from happening to your family. Here is what you can do to keep your deceased loved one’s identity safe.

1. Notify the Social Security Administration Immediately
Usually, the funeral home that handles your loved one’s funeral plans will notify the Social Security Administration (SSA) of their death. If you want them to do this, it’s important to provide the funeral director with your loved one’s Social Security Number. If you decide to handle this on your own, you can visit this website to find your local Social Security office, or you can call 1-800-772-1213.

2. Order several copies of the death certificate as soon as you can
It’s important to obtain several copies of the original death certificate when it becomes available because photocopies won’t suffice in most situations. Many businesses will require proof other than the death certificate since death records are public, so be prepared. Order several copies that include the cause of death, as well as some that don’t.

3. Be careful when writing the obituary
Obituaries often unknowingly provide thieves with information that can be used to steal someone’s identity. The birthday and home address of your loved one can be used to open new bank accounts, and public announcement of the memorial service will alert robbers as to when the deceased’s house will be empty. Be very careful about what information you include in a public obituary.

4. Request Credit Reports from Major Agencies
Three major Credit Report Agencies (CRAs) — TransUnion, Equifax, and Experian — will need to be notified of your loved one’s death. Request a final credit report from all three agencies and instruct them to place a “Deceased Alert” in the person’s credit file. You may want to also leave your contact information and request an alert if someone attempt to open credit in your loved one’s name.
The Identity Theft Resource Center (ITRC) offers a letter form that you can download and send to CRAs to request your deceased loved one’s credit report.
Credit reports will show all of your loved one’s open accounts and pending collection notices, so you can address those in the next step.

5. Notify Financial Institutions by Phone and Written Correspondence
Financial institutions will need to be contacted and made aware of their client’s death. This includes credit issuers, banks, collection agencies, mortgage companies, loan companies, and investment firms.
Only the spouse or executor of estate has the authority to close these accounts in the case of death. Send each institution an original copy of the death certificate, proof of your authority, and a letter instructing them to list the account as “Closed. Account holder is deceased.” If a joint account holder is still living, you will need to instruct these institutions to remove the deceased’s name from all accounts.
Here is a list of information to include in your correspondence with financial institutions:

  • Your loved one’s name and SSN
  • Your loved one’s last known address and addresses for the past 5 years
  • Birthdate and death date

Retain a complete copy of your written correspondence. Send all mail certified and request a return receipt.

6. Notify police of any suspicious activity
If you suspect your loved one’s identity has been stolen, it’s important to contact the police immediately. Report the evidence into the deceased’s police jurisdiction and file a police report. Notify all three CRAs. The ITRC also has a letter form you can send to collection agencies, creditors, or utility companies in the case of identity theft. They also provide advice for cases when you personally know the thief.

If you take all of the above steps, your loved one’s identity should remain safe. If the unthinkable happens and your loved one’s identity is stolen, remain calm and consult the ITRC website for further information.

By Engage Team 19 Nov, 2018
While there are certain standards of etiquette that apply to all funerals, the funeral process at a national cemetery is slightly different than a traditional cemetery. Knowing what to expect at a funeral or memorial service can make the process more comfortable for everyone involved. If you are going to a ceremony for a deceased veteran at a national cemetery, here is what to expect. National Cemeteries Don’t Host Funerals It’s important to be aware that national cemeteries don’t have the facilities to host traditional funeral services or open-casket viewing. Sometimes, families will choose to have a funeral prior to the ceremony at the national cemetery. The service that is held at a national cemetery is called “final committal service” and it is held at a committal shelter. When you arrive at the national cemetery, there will be an official to direct you to the proper committal shelter (there are often several of these shelters at a national cemetery). The final committal service usually lasts less than half an hour and can include (or not include) military honors . Flowers At most national cemeteries, it is appropriate for the family to provide flowers for the service. These will often travel with the urn or casket from the committal shelter to the gravesite and ultimately be placed on the filled grave. Each national cemetery has an individualized floral policy, so it’s important to confirm that your arrangement is welcome. You Can Visit the Grave... Later Funeral attendees are welcome to visit the grave of the veteran after the work day is over, but not immediately after the committal service. Arlington National Cemetery is Differen t Arlington National Cemetery, which honors between 27 and 30 deceased veterans each day, has a slightly different process. Attendees will meet at one of four meeting points in or around the cemetery and should plan to arrive between 30 and 45 minutes before the service because of security procedures. Arlington National Cemetery often has funeral processions and military honors can be performed at the gravesite, unlike other national cemeteries. During the honors, which are performed after the graveside service, the family will stand but other attendees are free to sit. After honors, an Arlington lady may present a card of condolences. This is the conclusion of the service and attendees will return to their cars.
By Engage Team 06 Aug, 2018
Poetry is an ancient form of written word that can bring immense comfort in times of grief. Death and loss are timeless subjects that have been explored by some of the greatest poets in history. If you have been asked to speak at a funeral, these poems can make excellent choices for readings. They can provide comfort and light during a dark and challenging time. 1. Death is Nothing At All by Henry Scott Holland Henry Scott Holland was a Professor of Divinity at Oxford and a canon of Christ Church in the late 1800s and early 1900s. This poem wasn’t a poem when it was first read, but a sermon written by the professor after King Henry’s death in 1910. The poem imbues listeners with a comforting sense that, though the deceased is gone, they are still close in heart and spirit. 2. A Child of Mine by Edgar Guest A deeply religious work, this poem is written from the perspective of Christ as a message to those who have loved the deceased, his child. It celebrates the honor of loving and caring for someone while they enjoy their earthly life, while also providing solace that the deceased has moved on to be with his Maker. 3. If I should die by Emily Dickinson Emily Dickinson is a recognizable name and her short, sometimes tragic, poetry has resonated with readers for centuries. This brief piece uses imagery of the natural world—“If birds should build as early/And bees as bustling go,”—to remind the audience that the world keeps turning. Death and loss can feel enormous and all-consuming, and this poem is a small, beautiful reminder that life goes on even as we experience grief. This idea is hopeful, because it means that we may someday be able to return to normality, if a bit changed. 4. Do Not Stand At My Grave And Weep by Mary Elizabeth Frye Like Death is Nothing At All, this poem reminds the reader that, though the deceased is gone in body, they are still present in spirit. This idea—that we carry our loved ones with us through experiences like feeling “the gentle autumn rain” or seeing “the diamond glints on snow,”—is a popular one that provides closure and peace during the sad occasion of a funeral. 5. Nothing Gold Can Stay by Robert Frost Another recognizable poet, Robert Frost was deeply inspired by nature. This poem outwardly appears to be about the seasons, which always change. It highlights the march of time that none of us can escape. This poem is a popular reading for funerals because it parallels the deceased with something gold—a good friend, a dear family member, no matter how loved, can never stay forever. 6. O Captain! My Captain! by Walt Whitman Another popular choice for funeral readings, Walt Whitman’s O Captain! My Captain! was written after the assassination of Abraham Lincoln. This poem, a bit darker than the previous ones on this list, still carries a sense of honor for the deceased. It is a popular choice for veterans or those who have worked together. While some of the images in the poem are forlorn, there is also a sense of celebration and positivity to the achievements of the deceased: “For you bouquets and ribbon'd wreaths—for you the shores a-crowding.” 7. Dirge Without Music by Edna St. Vincent Millay This poem is a very relatable one for a funeral. It is about the reluctance to accept death, despite its inevitability. Readers of this poem make positive associations with the deceased through lines like, “Gently they go, the beautiful, the tender, the kind/Quietly they go, the intelligent, the witty, the brave,” while also acknowledging the difficulty of loss. The Right Poem for You These are some of the most classic choices. While you might want to find a new or unique poem to read at a funeral (or even write your own), there can be immense comfort in a reading this is familiar to you and the audience. Choose a reading that resonates with you and brings you peace, and it is sure to be a wonderful addition to the funeral.
By Engage Team 23 Jul, 2018
The program is a small and easy-to-forget part of a well-planned, organized funeral or memorial service. Sometimes called an order of service, the funeral program is a simple brochure or pamphlet that you hand out to guests. This document outlines the process of the service (what will happen) and sometimes includes a brief overview of the life milestones and achievements of the deceased. As with many features in a funeral or memorial service, programs are not “required,” but they can be a pleasant feature that honors the deceased and provides attendees with happy memories. If you decide to create programs for a funeral service, here are some tips. Do It Yourself or Outsource While planning a funeral is often an overwhelming duty, you might be able to find time to make your own funeral programs. Sometimes, outlining the life of your loved one can even be therapeutic and healing. It can also help you visualize the process of the funeral or memorial service, which can be comforting. If creating the program sounds too difficult or you just don’t have time, you can also outsource this duty to a printer or online service who will create and mail you the programs. You will still need to provide the information to be included in the program and an image of the deceased. The printer will also want some guidance about type of paper, art to be included, and font for the program. What to Include in a Funeral Program A funeral program is often a folded document, much like a greeting card. In this style, the cover includes a large image of the deceased, their name and life and death dates. The inside pages are for the obituary and the order of events for the service. You can also include copies of scripture readings or poems that will be delivered at the service. Another option, which also saves money, is to create a one page program. In this style, you can include a small image of the deceased at the top of the page, their name and life dates, and the order of events. You also have the option of including a short obituary on the back on the page, but it’s not necessary. Here is a short checklist if what to include in the funeral program: An image of the deceased Their full name Dates of birth and death Order of events for service Obituary ( click here to read more about how to write an obituary) Funeral Program Templates If you’ve chosen to create and print your own funeral programs, templates can be very helpful. There are plenty of places that you can find these. Canva is a free website that allows you to download templates, enter your personal information and add design elements. QuickFuneral.com also offers a variety of templates that you can download and edit. While you are free to simply use Microsoft Word or another text editing software, templates can offer a more professional, polished look for your funeral program. Are Funeral Programs Important? Funeral programs can provide a more organized experience during the funeral for guests and the family of the deceased. During a time of grief, organization and simplicity are important. But the creation of a funeral program shouldn’t be a burden or another source of stress. If you have time, the program can be a useful addition to the memorial service, but it shouldn’t upset you further during a time of grief. Make the right decision for you and your circumstances when it comes to creating a funeral program.
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