630.296.4415

THE ASSIST PROGRAM

OUR MISSION

Losing a loved one is hard enough—navigating the paperwork, legal hurdles, and financial logistics shouldn’t be. Our program is dedicated to supporting surviving family members by handling every aspect of end-of-life arrangements, from funeral coordination and estate documentation to financial transitions. With empathy and precision, we take care of the details so families can focus on healing, not handling logistics.

THE ASSIST PROGRAM CONSISTS OF:

ESTATE PLANNING DOCUMENTS

Most estates include a Will and Trust that name an executor and/or trustee—often the same person, but not always. If you're unsure whether these documents exist, check the home’s deed or speak with the deceased’s accountant or attorney. If a trust is in place, a Tax ID may be required, so be sure to consult qualified professionals.

ACCOUNTING

An accountant can help settle the deceased’s financial affairs, such as final tax filings, closing accounts, and claiming any entitlements. They also guide beneficiaries through inheritance decisions, tax implications, and estate distribution. This professional support eases stress, ensures compliance, and protects the estate’s financial well-being.

LIFE INSURANCE

If you're unsure whether a life insurance or annuity policy exists, you can use the NAIC Policy Locator to search nationally. If a trust is the beneficiary, you may need a tax ID number before claiming. Consult a qualified accountant and attorney before taking action.

BANK ACCOUNTS

This includes checking, savings, CDs, and money market accounts, where proper titling is crucial. Moving assets without guidance can trigger tax issues, such as gift tax returns. Always consult a financial advisor and accountant before shifting funds.

REAL ESTATE PROPERTY

Managing real estate after a death requires confirming ownership and following probate or joint ownership procedures. Executors or surviving owners may need legal help to transfer deeds properly. It's best to work with a real estate attorney or title company to ensure accuracy and legal compliance.

VEHICLES

Vehicles should be secured, and the insurance company notified right away. Title transfers depend on whether the vehicle was jointly or solely owned, and may involve probate. Keep paperwork like the title and death certificate ready for smooth processing.

INVESTMENTS

401(k)s, IRAs, and brokerage accounts have tax rules that vary widely. Making a claim without tax advice can lead to costly mistakes. Work with a qualified accountant and financial advisor before taking action.

STOCKS & BONDS

Stocks are often held with transfer agents like Computershare or EQ Shareholder Services, while treasury bonds go through treasurydirect.gov. These assets often require a Medallion Signature Guarantee and involve detailed paperwork. A financial advisor can help you navigate the process and avoid delays.

PENSIONS & ANNUITIES

Notify pension or annuity providers promptly and submit the required documentation, like the death certificate. Understand payout options and work with the estate executor as needed. Tax guidance and legal support can help ensure smooth distribution to beneficiaries.

SOCIAL SECURITY

Funeral homes usually notify Social Security, but you can contact the Woodridge office at 866-303-2724 if needed. Be prepared with documents like the death certificate, marriage certificate, and birth certificate. Only surviving spouses or minor children are typically eligible for benefits.

HEALTH INSURANCE

Contact health insurance providers to report the death and determine next steps. Medicare Supplement providers often owe refunds, but check payout details carefully. If not in probate, a check made to the “estate of” the deceased may not be cashable.

CREDIT & BILLS

Notify medical providers and creditors of the death and request final statements. Multiple death certificates may be needed for these communications. Work with a legal or financial advisor to prioritize payments and handle the estate’s obligations properly.

MORTGAGES & LOANS

Inform mortgage and loan providers of the death and gather all necessary documentation. Ownership status (joint or sole) determines how the debt is managed, whether through transfer, refinancing, or selling. Consult a real estate attorney or financial advisor to navigate the legal and financial steps.

UTILITIES

Notify utility companies right away and decide whether to transfer or cancel services. Provide necessary documents and take meter readings to avoid billing errors. Keeping clear records helps prevent complications during estate settlement.

EXTENDED CARE

Planning for extended care is especially important for surviving spouses. While it may seem unlikely, the financial and emotional toll of long-term care can be significant. Taking steps now can protect your loved ones and your future.

FUNERAL
PRE-PLANNING

Pre-planning a funeral eases the burden on loved ones during a difficult time. It allows services to be arranged in advance, reducing stress and decision-making after a death. Now is a good time to consider preparing for the future.