Paperwork After Death: What to Keep and Do

When a loved one dies, grief can feel all-consuming, but alongside emotional challenges comes a mountain of paperwork and legal responsibilities. 

From initiating probate to gathering documents like wills, property records, and tax returns, survivors must quickly learn what’s legally required and what’s just old clutter. Understanding which documents are essential, how long to keep them, and the timeline for legal processes like probate can ease the burden during a difficult time. 

This guide walks you through the most essential steps and answers common questions about how long documents stay valid after death.

Legal Steps to Take Immediately After a Death

Get Multiple Copies of the Death Certificate

You’ll need certified copies of the death certificate to notify banks, insurance companies, government agencies, and other institutions. It’s a good idea to request at least 10 to 15 copies.

Locate the Will and Begin Probate

The will outlines the deceased’s final wishes and names an executor to manage the estate. Probate is the legal process of validating the will, settling debts, and distributing assets. You can begin probate by filing a petition with the county probate court.

How Long Does Probate Take?

Timeline for Settling an Estate

Probate can be a lengthy process. On average, it takes 6 to 12 months, but if the estate is large, complex, or contested, it can take up to 18 months or more. Factors that slow probate include missing documents, legal disputes, tax issues, or out-of-state property.

Working with a probate attorney can help avoid delays and ensure the process runs smoothly.

How Long Is a Will Valid After Death?

Wills Don’t Expire — But Timing Still Matters

Once a person dies, their last valid will is legally enforceable indefinitely, as long as it can be authenticated. There’s no set expiration date, but the will must be submitted to the probate court—usually within a few months to a year after death, depending on your state’s laws.

Failing to file the will promptly may lead to complications, such as the estate being treated as if no will exists.

Can a Will Be Challenged?

Yes. A will might be contested if there are concerns about its authenticity or fairness. Common reasons include:

• Lack of mental capacity
• Undue influence or coercion
• Conflicting versions of the will
• Improper execution or missing signatures

Raising issues early in the probate process is essential if you suspect issues.

What Documents Should Be Kept and for How Long?

Important Documents to Keep Permanently

Some documents are critical and should be stored safely forever:

• Original will and trust documents
• Death certificate
• Marriage certificate
• Military discharge papers (DD-214) for Veterans
• Life insurance policies (until claims are resolved)

How Long to Keep Other Paperwork

Here are general guidelines for how long to hold onto key documents:

• Tax returns and supporting documents: Keep for at least 7 years
• Property deeds and mortgage documents: Keep as long as the property is owned, then 6 years after the sale
• Vehicle titles and registration (for estate-owned vehicles): Keep until the car is sold or transferred
• Bank and investment statements: Keep for 7 years, especially if related to estate accounting or tax filings
• Utility bills and credit card statements: Keep for 1 year, unless they’re part of a dispute

What About Old Vehicle Registrations?

Old vehicle registrations typically don’t need to be kept unless the vehicle is still in the estate or there’s a title dispute. Once the vehicle is transferred or scrapped, the registration becomes irrelevant. Keep current paperwork during the estate process, then discard outdated versions safely.

Tips for Organizing the Paper Trail

Go Digital (But Keep Originals for Key Docs)

While digital recordkeeping is useful, you must keep original documents like wills, deeds, and titles in their physical form for legal use. Consider scanning copies for backup, but don’t destroy the originals.

Store Everything Securely

Use a fireproof lockbox or secure filing cabinet to organize key documents. Consider creating a shared checklist or binder for estate-related paperwork if multiple family members are involved.

Why You Should Shred Old Paperwork After a Death

After someone dies, identity theft (known as “ghosting”) can still occur if personal documents fall into the wrong hands. Thieves may use Social Security numbers, account details, or other sensitive information to open credit cards, file false tax returns, or commit fraud. To prevent this, securely shred any paperwork you no longer need, especially those with personal or financial details. Use a cross-cut shredder or a trusted shredding service rather than tossing documents in the trash.

Sort, Prioritize, and Discard: Conquering the Paper Pile

Sorting through the legal and financial aftermath of a death isn’t easy, but staying organized and understanding document timelines can provide peace of mind. Probate may take months, but knowing what to expect — and which papers to prioritize — can help prevent stress and delays. Keep essential documents securely, discard outdated ones carefully, and don’t hesitate to seek legal help if the estate process becomes confusing or contentious.

Navigating this process with patience and clarity allows you to honor your loved one’s legacy while protecting the interests of those left behind.

Learn more about who qualifies as “next of kin,” discover why a death certificate is so important, and find comforting gifts to support someone after a loss.

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