WHAT EVERY PERSON SHOULD KNOW FOR EMERGENCIES

LOCATION OF PAPERS

Important papers should be kept in (most cases) a bank's safety deposit box. However, recognize that when one dies, the bank is usually required to seal the box until such time as it receives authority from the court, executor, etc. You may wish to have originals stored where accessible.

Birth or adoption certificates for all family members

Citizenship papers, if any members are naturalized citizens

Marriage certificate

Marriage and divorce certificates for any previous marriages

Physicians Directive

Last will and testament/trust documents

Deed to cemetery plot

Letter of instruction regarding funeral and or donation of body parts.

EMPLOYMENT INFORMATION

Names and addresses of each spouse's employers

Employer's benefit plans in which each spouse participates such as group insurance, pension plan, 401(K), etc.

Spouse's social security number

Location of social security cards

Length of time each has been covered by the social security program

Location of copies of previous year's income tax returns and supporting data or documents for the past three years, including cancelled check for most recent tax payment

Location of current withholding tax forms and receipts from employers

FAMILY DATA

Name, address and place of birth of each spouse's mother and father

MILITARY SERVICE

Service serial number

Dates of entry and discharge

Location of discharge papers

List of veterans benefits received (disability payments, places and dates of any hospitalization, education )

PROPERTY INFORMATION

Location of:

Safety deposit box

Key to safety deposit box

Papers for any owned real estate, including your home- deed, copy of mortgage, title insurance policy, surveys, closing statements, insurance policies, tax receipts, leases, building cost figures

Checkbooks and savings pass books for all bank accounts

Records of purchase and sale for stock certificate and bonds

List of any personal property not located in home or safety deposit box

Automobile title and registration certificates

Notes or loans agreements relating to debts owed to husband or wife

Income tax basis information for each asset

INSURANCE

Life Insurance: Location of policies, receipts of paid premiums, data on any loans made against the policies

Disability insurance: location of policies

Property insurance on house, car, etc.: location of policies, name of agent

Other insurance policies (hospitalization, mortgage, tuition, etc.): location of policies



PERSONS TO CONTACT IN CASE OF EMERGENCY

Person you have designated as children's guardian Close relatives and/or close friends

Executor of your estate Trustees of trusts

Doctor Lawyer Accountant Financial Planner

Clergyman Banker

Stockbroker Insurance (Life)

Insurance (Property and Liability)

Pharmacist Hospital/HMO

SURVIVOR CHECKLIST: Here are a few items you need to review upon the death of a spouse or close relative

AND MORE: Survivors also need to do the following