Which organizations to notify after a death in Québec?
This list brings together the organizations, services and businesses that often need to be notified after a death in Québec, along with the reason why. It is not exhaustive: add anything specific to your loved one's situation.
The list by category
Government bodies
To stop payments being issued, avoid amounts that would need to be repaid, return cards, and check what benefits the family may be entitled to.
Retraite Québec (Québec Pension Plan)
Service Canada (Old Age Security pension, Canada Pension Plan, social insurance number)
Revenu Québec and Canada Revenue Agency
RAMQ, for the health insurance card, and the SAAQ depending on the situation (driver's licence, vehicle)
Directeur de l'état civil, for official documents
Financial institutions
To report the death, stop pre-authorized payments, and find out the process for accounts, investments and loans.
Bank or credit union where the person held accounts
Investment firms, brokers, RRSPs and RRIFs
Credit card issuers and lenders
Insurance companies
Because a policy may provide for a payment to a beneficiary, and because some insurance must be updated quickly, such as home insurance on a now-vacant dwelling.
Individual life insurance
Home insurance and auto insurance
Mortgage or credit card insurance
The employer and pension plans
For the final pay, accumulated vacation, group insurance, and pensions provided for a surviving spouse or children.
Current or former employer
Private, municipal, university or public-sector pension plan
Union, professional order or association
Public services and providers
To avoid bills continuing to pile up and to transfer or cancel contracts held in the deceased person's name.
Electricity, gas, hot water
Phone, internet, television
Municipality, for taxes and services
Postal service, for mail forwarding
The landlord or mortgage lender
Because a lease and a mortgage do not automatically end with the death: specific rules govern their transfer or termination.
Landlord of the rented dwelling
Institution holding the mortgage
Condominium syndicate
Professionals
To obtain documents held in your name and to be guided through decisions that carry your responsibility.
Notary
Lawyer
Accountant or tax specialist
Family doctor, pharmacy
Subscriptions and digital accounts
To stop recurring charges and close or memorialize online accounts, each of which has its own procedure.
Streaming, music and software subscriptions
Social media and email accounts
Cloud storage and online stores
Loyalty programs
How to go about it without getting lost
Most organizations ask for proof of death and, sometimes, proof of your capacity to act. For each organization, note the date of your call, the person's name and the file number: this saves you from starting over. The guide to the documents to prepare indicates what is generally requested, and the guide to the first steps reminds you what is actually urgent.