How to Get a Death Certificate and Why You Need Several Copies

Learn where to obtain death certificates, how many copies to request, and what you'll need them for during this difficult time.

1. Where to get death certificates. Death certificates are issued by the vital records office in the state where the person died, not necessarily where they lived. You can usually order them from the state vital records office, county health department, or funeral home. The funeral director often handles the initial filing and can order copies for you, which is usually the easiest option during this difficult time. If you need additional copies later, you can order them directly from the state or county office. Most states now offer online ordering, but you'll need to provide identification and proof of your relationship to the deceased.
2. How many copies to order. Order at least 10-15 certified copies initially. It's much easier and often cheaper to get multiple copies upfront rather than ordering them individually later. Each institution typically requires an original certified copy, and they rarely accept photocopies. If the person had significant assets, multiple bank accounts, or complex finances, you may need 20 or more copies. Remember that some processes take time, so you might have copies tied up for weeks while insurance claims or bank account closures are processed.
3. What you'll need death certificates for. You'll need certified death certificates for numerous official purposes. Financial institutions require them to close bank accounts, transfer assets, and access safe deposit boxes. Insurance companies need them to process life insurance claims, cancel health insurance, and settle auto insurance policies. Government agencies require them to claim Social Security benefits, cancel Social Security payments, transfer property deeds, and settle tax matters. You'll also need them to cancel subscriptions and memberships, transfer utility accounts, and handle pension or retirement account distributions. Keep a list of where you submit copies so you can track them.
4. How long the process takes. If ordering through a funeral home, you can usually get copies within a few days to a week. When ordering directly from vital records offices, processing times vary widely by state and can range from a few days to several weeks. Rush processing is often available for an additional fee if you need copies urgently. During busy periods or staffing shortages, delays are common, so plan ahead when possible. Keep in mind that the death must be officially registered before certificates can be issued, which typically happens within 24-72 hours after death.
5. What to expect to pay. The first copy typically costs between $10-25, depending on your state. Additional copies ordered at the same time usually cost less, often $5-15 each. This is why ordering multiple copies upfront saves money compared to placing separate orders later. Some states charge the same amount for each copy regardless of quantity. Payment methods vary by office, but most accept credit cards, checks, or money orders. Keep your receipts, as these expenses may be tax-deductible as estate administration costs.