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A relative has died
Verified 17 March 2023 - Directorate for Legal and Administrative Information (Prime Minister)
You've just lose one close. This event requires commitment certain steps such as organizing funerals and informing several organizations.
In these difficult times, we're with you to perform the whole of these steps. We'll show you who may do so and in which time limits.
We're asking you a few questions. They identify the situation your situation and that of the deceased person.
Attention: the death of a minor is not dealt with in this card.
What applies to you ?
Step-by-step approach
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The death took place in France
Death in hospital
In the hospital, a doctor duty to record death and establish a death certificate.
This document makes it possible to formalize the death of a person. The death certificate is required to declare the death to the city hall and organize the funeral.
It's the hospital who then takes care of the declaration of death to the town hall the place of death. The declaration of death must be made within 24 hours.
Following the declaration of death, the City Hall establishes a death certificate.
After the death has been pronounced, the family of the deceased should transfer body :
- in the hospital mortuary (if any),
- in the burial chamber of a burial company, or
- or at the home of the deceased or at the home of one of the family members.
The hospital is alerting the public prosecutor.
The body is entrusted to the Institute of Forensic Medicine. An autopsy is done most often.
During the investigation, the body is not available to the family.
Until the body is returned, the funeral cannot take place.
Death in an Ephad
At the Ehpad, a doctor duty to record death and establish a death certificate.
This document makes it possible to formalize the death of a person. The death certificate is required to declare the death to the city hall and organize the funeral.
It's Ehpad who then takes care of the declaration of death to the town hall the place of death. The declaration of death must be made within 24 hours.
Following the declaration of death, the city hall establishes a death certificate.
After death is pronounced, the family of the deceased person can transfer the body:
- either in a hospital mortuary,
- in the burial chamber of a burial company, or
- or at the home of the deceased or at the home of one of the family members.
Ephad alerts the public prosecutor.
The body is entrusted to the Institute of Forensic Medicine. An autopsy is done most often.
During the investigation, the body is not available to the family.
Until the body is returned, the funeral cannot take place.
Death at home
You need to call a doctor. This may be the deceased's attending physician or another physician (even retired) or SOS Doctors.
The doctor is coming on-site for to record death.
It shall establish a death certificate. This document makes it possible to formalize the death of a person. The death certificate is required to declare the death to the city hall and organize the funeral.
You must warn the policy or the gendarme (and do not call a doctor).
The police or gendarmerie open a survey to determine the circumstances of the death. The results of the investigation will be forwarded to the public prosecutor.
The body is entrusted to the Institute of Forensic Medicine. An autopsy is done most often.
During the investigation, the body is not available to the family. Until the body is returned, the funeral cannot take place.
The police or gendarmerie pose sealed at the home of the deceased. During the time of the investigation, the family cannot access the accommodation.
The death certificate is issued by the police station or gendarmerie.
The funeral can only take place after a judicial police officer has given you a judicial authorization, called record for burial.
Deaths on public roads
You have to call the policy or the gendarme.
- If there is no doubt that it is a natural death : The mayor asks for the body to be transferred to a funeral chamber. The death certificate shall be completed and signed by the doctor who recorded the death.
- In case of suspicious death : The police or gendarmerie in general have the body transported to the Forensic Institute for examination.
The police or gendarmerie (or sometimes the mayor of the commune) alert the relatives of the deceased.
During the investigation, the body is not available to the family.
Until the body is returned, the funeral cannot take place.
The death certificate is issued by the police station or gendarmerie.
The funeral can only take place after a judicial police officer has given you a judicial authorization, called record for burial.
It took place abroad
Attention: our factsheet presents only the death of a person who was short stay abroad.
1. If a travel insurance has been subscribed, you must contact the property concerned (assistance body or insurance company).
2. You must to declare the death to the local registrar. In rare cases, it is possible to report the death directly to the French Embassy or Consulate. Inquire with the consular authority.
Who shall I contact
One local death certificate is established.
For procedures related to funeral or at repatriation of body of the deceased, you can ask the assistance of the French Embassy or Consulate. The embassy or consulate of France can help you:
- Information on the cost of local burial, incineration or repatriation to France
- Indication of the contact details of local or French funeral businesses operating abroad
- Assistance to local funeral directors in case of language problems
The embassy or consulate of France also issues the authorization to transport bodies or ashes, in case of repatriation.
3. Even if it is not mandatory, it is recommended to request the transcription of the death certificate in France.
The note of death will then be added to the French birth certificate of the deceased.
Transcription is recommended to facilitate certain procedures in France (succession, retirement pension, reversion, etc.).
- If the death occurs in Algeria, Liechtenstein, Luxembourg, Morocco, Monaco, Poland, Switzerland or Tunisia, you must apply for a transcript from the Central Civil Registry Service. As soon as the transcript is completed, you will be able to obtain copies of the death certificate.
- If the death takes place in another country, you must contact the French Embassy or Consulate. As soon as the transcript is made, the French Embassy or Consulate will provide copies of the death certificate.
Who shall I contact
- Central Civil Registry Service (Scec)
Civil status (birth, marriage or death) of a Frenchman abroad
Only by mail to:
Central Civil Registry Service
11 White House Street
44941 Nantes Cedex 09
The service is not open to the public.
You can apply for a civil status certificate through a online service.
For more information, you can:
- Go to diplomatie.gouv.fr
- Call the+33 1 41 86 42 47 Monday to Friday from 9 am to 12 pm and from 1 pm to 4 pm
Free access to video interpretation or instant speech transcription for the deaf or hard of hearing - Email courrier.scec@diplomatie.gouv.fr
4. He is recommended to transmit as soon as possible one copy of the death certificate to social organizations in France (Caf or MSA, CPAM, Pôle emploi, pension funds,...).
If you learn of the death from a travel agency, media or other means, contact the Crisis Center of the Ministry of Europe and Foreign Affairs.
Who shall I contact
Think about prevent the family members, the friends, the neighbors.
If the person died suddenly, consider taking care of their pets. It is also recommended to check the general condition of the home and its various equipment.
If the person died suddenly, consider taking care of their pets. It is also recommended to check the general condition of the home and its various equipment.
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A contract with a funeral company was signed before the death
If a funeral contract with a funeral company was signed before death, you should contact the company as soon as possible after death.
You have to give him the death certificate if it has been given to you by the doctor who pronounced you dead.
You must also give them the family record of the deceased.
The company will then do the declaration of death to the town hall of the municipality where it took place.
Then there's several possibilities (depending on what was agreed in the funeral contract):
- The body stays at home until the funeral
- He's being transported to a body chamber
- He is being transported to a family member's residence to await the funeral
FYI
After the declaration of death to the city hall, the company will give you several copies of the death certificate that will be drawn up by the city hall, but generally only at the funeral.
If you are passed, the Civil partnership is declared dissolved after the declaration of the death to the City Hall (without formality to be done by the partner). The death will be recorded on the birth certificate of the partner.
No contract with a funeral company has been signed
Death must be declared to the municipality of the municipality where it took place.
Any person of age can declare death, preferably a relative. For example: a relative or relative with vital statistics information on the deceased.
To declare the death, the person must go to the municipality where the death occurred. She must present the following documents :
- His ID
- If possible, the death certificate
- Any document concerning the identity of the deceased person (family record, identity document or birth certificate for example)
The statement in the town hall is free and immediate, without appointment.
Following the declaration of death, the City Hall establishes a death certificate. You have to ask for copies of the death certificate.
FYI
If you sign a contract with a funeral company quickly after the death, the company can make the declaration of death to the mayor's office on your behalf.
If you are passed, the Civil partnership is declared dissolved after the declaration of the death to the City Hall (without formality to be done by the partner). The death will be recorded on the birth certificate of the partner.
You must contact the employer or employers of the deceased person.
If you do not have the necessary contact information, you can consult a recent salary bulletin of the deceased.
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You're a salaried employee
Any employee may obtain a leave in the event of the death of a member of his family, unconditional seniority.
You must take the leave in the period in which the event occurs, but not necessarily on the same day.
You need to hand over a proof (death certificate) to your employer.
If your spouse has died, the leave period is 3 days. Caution: a longer duration may be provided in the collective agreement on your company or if a collective company agreement has been signed. Check with your employer.
If your Civil partnership partner has died, the leave period is 3 days. Caution: a longer duration may be provided in the collective agreement on your company or if a collective company agreement has been signed. Check with your employer.
If the person with whom you were in a common-law relationship has died, the leave period is 3 days. Caution: a longer duration may be provided in the collective agreement on your company or if a collective company agreement has been signed. Check with your employer.
If your father or mother has died, the leave period is 3 days. Caution: a longer duration may be provided in the collective agreement on your company or if a collective company agreement has been signed. Check with your employer.
In the event of the death of your child, you are entitled to 5 daysworking days or a longer period if provided for by a company collective agreement or agreement.
But you're entitled to a 7 daysworked in the event of the death of one of the following persons:
- Child under 25 years
- Child, regardless of age, if he was a parent himself
- Person under the age of 25 at your effective and permanent load
In the event of the death of a child under the age of 25, you are also entitled to additional leave, says bereavement leave of a duration of 8 days (in addition to the 7 working day leave).
The bereavement leave also applies in the event of the death of a person under the age of 25 to your effective and permanent load.
The bereavement leave can be taken in a split fashion, that is, over several periods.
The leave can be taken over a maximum of 2 periods if you are an employee.
The leave can be taken over a maximum of 3 periods if you are a jobseeker, self-employed or self-employed farmer.
Each period of leave must be at least 1 day.
You must take bereavement leave within one year of the child's death.
You work in the public service
In some cases, you can get a special leave of absence on the death of a relative. Check with your human resources department to find out what rules apply in your employer jurisdiction.
In some cases, you can get a special leave of absence on the death of a relative. Check with your human resources department to find out what rules apply in your employer jurisdiction.
In some cases, you can get a special leave of absence on the death of a relative. Check with your human resources department to find out what rules apply in your employer jurisdiction.
In some cases, you can get a special leave of absence on the death of a relative. Check with your human resources department to find out what rules apply in your employer jurisdiction.
You benefit from a special leave of absence when a child dies. The length of absence varies depending on whether the deceased child was over 25 years of age:
- If he had under 25 years, the duration is 7 working days. You can also benefit from a special leave of absence 8 days, which can be divided and taken within 1 year of death. These leave authorizations are granted upon the death of a child of which you are a parent and upon the death of a child or adult under the age of 25 for whom you had effective and permanent care.
- If he had at least 25 years, the duration is 5 working days. You can also benefit from a special leave of absence 8 days, which can be divided and taken within 1 year of death.
You must check if the deceased person has indicated his or her last wishes (orally, in a will or funeral contract) concerning
- his funeral (funeral or cremation) or the gift of his body to science
- and organ removal.
Relatives should respect the wishes of the deceased person.
If the deceased person has not indicated his will, the decision on the funeral belongs to his close ones.
The last wishes may have been presented orally by the deceased.
They may also have been written in a will:
- Either a will given to a notary and recorded in the central file of the provisions of last will (FCDDV)
- Either a will written by the deceased without the assistance of a notary and left at the home of the deceased
The last wishes may also be included in a funeral contract concluded during his lifetime by the deceased.
Information may also have been written by the deceased in connection with advance directives.
When the deceased has given notice of their wishes, their loved ones must respect them.
You must bring the matter before the court of law of the place of death by subpoena or by request spouse at the registry.
You can go through a joint motion if you agree to go to court together and ask the court to resolve your dispute.
The use of a lawyer is not mandatory.
The court decides within 24 hours.
Who shall I contact
Warning
if the death occurred abroad, you must bring an action before the court for the place where the deceased was last domiciled in France.
You can appeal the court's decision within 24 hours, to the first president of the court of appeal. He decides immediately. The use of a lawyer is optional.
Who shall I contact
If the deceased has chosen to donate their body to science, a donor card has been given to them by the body donation host institution.
In principle, when issuing a donor card, the institution undertakes to receive the body after the death of the donor.
However, the body may be refused in the following cases:
- Absence of the donor card
- Failure to meet the 48-hour maximum time limit for transporting the body
- Death abroad resulting in beer setting
- Death from a contagious disease requiring beer
- Death due to motor vehicle crash, suicide or any other reason that may pose a forensic problem
- Poor body conservation
The donor was able to designate a reference person (family or close relative) to act as the contact person with the institution. This interlocutor can then be returned the body or the ashes.
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A contract with a funeral company was signed before the death
The procedure differs depending on whether a burial or a cremation will take place.
Burial
The funeral (called burial) shall take place at least 24 hours and 6 hours working days at most after death. Where special circumstances so warrant, the prefect of the department of the place of burial may grant derogations from those time limits.
Between the declaration of death and the burial, there are several formalities:
- Declaration prior to transport of the body if necessary
- Authorization to close the coffin
- Final closure of the coffin
- Authorization to bury
The funeral company takes care of all or part of these formalities.
The deceased may be buried in the following cemeteries:
- That of the commune where the deceased lived
- The one in the town where he died
- The one where the family vault is located
Burial is also possible in another commune, but the mayor can refuse it.
This is an exceptional case. The authorization of the prefect of the department where this property is located is mandatory. It is subject to conditions. In practice, the funeral company takes care of the process.
Cremation
Cremation should take place at least 24 hours and at most 6 working days. Sundays and public holidays are not included in the calculation of deadlines. Where special circumstances so warrant, the prefect of the department of the place of death or cremation may grant derogations from those time limits.
In general, after the declaration of death, formalities are to be carried out until the funeral. The funeral company takes care of them, in whole or in part.
After cremation, the ashes are collected in a urn with a plaque indicating the identity of the deceased and the name of the crematorium.
The urn can be kept for up to 1 year in one of the following places:
- Crematorium
- Place of worship (with the agreement of the association responsible for the practice of the worship)
During this time, relatives must decide what to do with the ashes, unless the deceased had indicated their will.
They can choose one of the following solutions:
- Cemetery or burial site
- Dispersion in the countryside
- Burial of the ballot box in a private property (but the authorization of the prefect is required)
The urn can also be buried for free in the communal grounds of the cemetery.
No contract with a funeral company has been signed
You must choose a funeral company.
The list of local companies of funeral directors authorized in the department is available:
- in health facilities and town halls,
- in the mortuary and funeral chambers to which the deceased may be transferred.
He is recommended
- of consult the general documentation listing tariffs and services (specifying whether they are mandatory or optional), which must be made available to the public,
- of request a quote from at least 3 companies of funeral directors.
The company must give you a quotation.
The quote is free. It must be detailed and costed. He must present the benefits paid and the company's fees. Quote must conform to a official model.
It should show the products and services under 8 headings and 3 columns. Current, optional and third-party services must be shown in three separate columns.
When you accept the quote, the company must give you a purchase order. The invoice will be given to you on payment.
Then, the formalities differ according to whether a burial or a cremation takes place.
Burial
The funeral (called burial) shall take place at least 24 hours and 6 hours working days at most after death. Where special circumstances so warrant, the prefect of the department of the place of burial may grant derogations from those time limits.
1st case: the deceased has a place in an existing concession
Between the declaration of death and burial, there are several formalities (for example, authorization to bury).
In general, the funeral company takes care of these formalities.
2nd case: the family buys a concession at the time of death
A burial concession is a location in a cemetery (cellar or grave). It can also be a place reserved for funeral ballot boxes in a columbarium.
You must apply for your purchase from the town hall on which the cemetery depends.
The duration varies according to the following types of concession:
- Temporary: between 5 years and 15 years
- 30 years old
- Fiftieth anniversary: 50 years
- Perpetual: Unlimited duration
But communes do not always offer each type of concession.
The price of a concession is fixed by the city council. It varies from municipality to municipality. The price may also vary depending on the location of the concession.
Warning
In order to be entitled to be buried in a commune, the deceased must be in one of the following situations:
- To have died in the commune, regardless of the person's domicile
- Be resident in the municipality
- Be registered or meet the conditions to be registered on the electoral lists of the commune if you live abroad
- Benefit from a family concession
If they are not in one of these situations, relatives have the right to apply for a concession in the commune. But the mayor may refuse, citing, for example, a lack of space in the cemetery.
3rd case: other situation
If the deceased person or family does not have a concession, it is possible to ask the City Hall that the deceased person be buried on communal land, in an individual location. This location is provided free of charge for 5 years.
This is an exceptional case. The authorization of the prefect of the department where this property is located is mandatory. It is subject to conditions. In practice, the funeral company takes care of the process.
Cremation
Cremation should take place at least 24 hours and at most 6 working days. Sundays and public holidays are not included in the calculation of deadlines. Where special circumstances so warrant, the prefect of the department of the place of death or cremation may grant derogations from those time limits.
Between the declaration of death and the cremation, there are several formalities (for example, the authorization of cremation).
In general, the funeral company takes care of these formalities.
After cremation, the ashes are collected in a urn with a plaque indicating the identity of the deceased and the name of the crematorium.
The urn can be kept for up to 1 year in one of the following places:
- Crematorium
- Place of worship (with the agreement of the association responsible for the practice of the worship)
During this time, relatives must decide what to do with the ashes, unless the deceased had indicated their will.
They can choose one of the following solutions:
- Cemetery or burial site
- Dispersion in the countryside
- Burial of the ballot box in private property
Following death, you must contact the different banking institutions (bank, postal bank, savings bank, etc.) in which the deceased had opened an account.
Any heir, a relative or the notary (in charge of the estate) can inform the institutions of the death.
For a list of accounts and vaults held in France by the deceased, you can consult for free the national file of bank accounts and similar accounts (Ficoba). You must send your request in writing to the FBFV National Treatment Center. You must attach the following documents to your email:
- Copy of death certificate
- Proof of your identity
- Document proving that you are an heir (deed of reputation).
Who shall I contact
- FBFV National Treatment Center
By mail
BP 31
77421 Marne La Vallée Cedex 02
After having informed the banking institutions of the death by telephone, it is recommended to send them a registered letter with acknowledgement of receipt.
A sample letter is available:
Inform the bank of a relative of his death
FYI
Banking institutions charge for closing operations. The amount varies. It is specified in the agreement signed with the institutions. These fees constitute a debt payable by the heirs, which will be paid as part of the settlement of the estate.
The become individual accounts varies according to their nature :
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Accounts held by the deceased person alone (individual account)
As soon as the bank becomes aware of the death, it shall blockage of the different accounts opened (current account, booklet account or savings account) in which the deceased was sole proprietor. These accounts may include:
- Current account
- Overnight account
- Securities account
- Booklet A
- Sustainable and inclusive development booklet (LDDS)
- Popular savings booklet (SMP)
- Young booklet
- Industrial Development Account (Codevi)
- Housing Savings Plan (PEL)
The blockade will also affect:
- the portfolio of financial securities (shares, bonds, EAPs, etc.)
- and the safe.
Please note
The powers of attorney which had been granted on those different accounts endat the time of death.
Despite the accounts being blocked, these operations can still take place:
- Transfer transactions from third parties (e.g. retirement pension where the paying agency has not yet been informed of the death)
- Direct debit transactions corresponding to the various expenses incurred (by credit card, check or transfer, etc.) by the account holder front her death. Such withdrawals shall be made within the limits of the funds available from the accounts on the day of death.
Similarly, if an account provides interest, it continues to run until the bank pays the funds when the estate is liquidated.
However, accounts may be unblocked for the settlement of expenditure incurred afterwards on death.
They may be settled within the limits of the funds available in the accounts on the day of death and up to €5,000. These are:
- Funeral expenses, on presentation of a quotation or invoice
- Costs to be paid in an emergency, including costs related to the illness (e.g. hospitalization of the deceased), on presentation of the invoice
- Taxes due in respect of the year of death, on presentation of tax notices
The heirs (ascendants or descendants) can obtain the release of funds for the payment of such expenses. To do this, they must provide the bank with a signed certificate, in which they certify the following:
- Absence of a will and absence of other heirs of the deceased
- Absence of marriage contract
- Authorization for the holder of the document to collect on their behalf the sums appearing on the accounts of the deceased person
- Lack of trial, ongoing challenge regarding heir status or composition of estate
- Birth certificate extract
- Extract of the deceased's birth certificate and full copy of his death certificate
- Extract of marriage certificate of the deceased, if any
- Extracts of birth certificates of each entitled designated in the certificate
- Certificate of absence of registration of provisions of last will (or certificate of absence of will).
Please note
If the heirs have already received from the notary the deed of notoriety, they are exempt from providing the requested documents. Only their unanimous agreement to pay is required. The signed certificate of all may be requested by the banking institution.
As far as the request for final closure of the accounts, it is advisable to make the application after having been informed of the elements allowing to accept or refuse the succession.
If the total amount of money held by the bank is less than €5,000, the request for closure of the accounts and the payment of the sums set out therein may be made by the heirs (ascendants or descendants). They must submit to the banking institution the certificate signed by all, by which they certify the following information:
- Absence of a will and absence of other heirs of the deceased
- Absence of marriage contract
- Lack of real estate in the estate
- Authorization for the holder of the document to collect on their behalf the sums appearing on the accounts of the deceased person
- Lack of trial, ongoing challenge regarding heir status or composition of estate
- Birth certificate extract
- Extract of the deceased's birth certificate and full copy of his death certificate
- Extract of marriage certificate of the deceased, if any
- Extracts of birth certificates of each entitled designated in the certificate
- Certificate of absence of registration of provisions of last will (or certificate of absence of will).
If the total amount of the sums held by the institution is more than € 5 000, the notary will send the bank a deed of notoriety.
According to the directives of the banking institution, heirs will return or destroy every means of payment(bank card, checkbook) of the deceased in their possession.
FYI
If for three years the beneficiaries of the deceased did not come forward, the bank accounts are closed. The funds are transferred to the Caisse des Dépôts, which retains them for up to 27 years.
Joined Accounts
The joint accountsare not blocked by the death of one of its co-holders. The Civil partnership's spouse or partner or the spouse of the deceased person can carry out all the banking operations desired (withdrawal, deposit, transfer, etc.).
However, the attached accounts follow the rules of inheritance. Half of the money in it goes to the heirs. Thus, in order to protect their interests and to prevent the co-owner from emptying the account, it is provided that the heirs can request the closure of the account. In the event that the co-owner has made a greater withdrawal than he is entitled to, the heirs will be able to demand reimbursement.
In the absence of an heir, the account may become an individual bank account of the surviving co-owner.
In the event of a positive balance on the day of death, the deceased's share shall be determined when the estate is settled.
In the case of a negative balance, the bank may ask the surviving holder(s) to pay the full amount of the corresponding sums.
Please note
If interest is charged on the account, it continues to run until the balance is settled by the bank.
Undivided accounts
As soon as the bank becomes aware of the death, it shall blockage of undivided accounts.
The request for closure of the account will require the agreement of all co-owners.
The conditions for closing the joint account are the same as those for an individual account (account in the name of a single holder).
The balance (positive or negative) of the undivided account is settled at the same time as the whole of the succession.
Please note
If interest is charged on the account, it continues to run until the balance is settled by the bank.
Accounts related to a professional activity (individual entrepreneur)
When a person is an individual entrepreneur (or micro-entrepreneur), he or she is not required to open a professional bank account dedicated to his or her activity.
Consequently, on the death of the individual entrepreneur, the account linked to his activity is that of his individual bank account. Because of death, the account is stuck.
However, the deceased was able to open a separate account (in the event that his annual turnover exceeded €10,000 for 2 consecutive years). This account is not considered a business bank account. It is treated as an individual account. Because of the death, he is stuck and powers of attorney which had been granted in that account shall expire at the time of death.The conditions for fence of this separate account are the same as those of an individual account (account in the name of a single holder).
FYI
If the deceased was a director of a business with multiple associates, the bank account is not blocked because it is the business' bank account. Its management is the responsibility of the partners and heirs of the deceased.
Portfolios of securities (share, bond, PEA, etc. )
As soon as the bank becomes aware of the death, it shall blockage holdings of securities of the deceased person.
In principle, the bank can no longer buy or sell securities. It will only be able to do so if all the heirs agree.
Safe
As soon as the bank becomes aware of the death, it shall blockage access to the safe rented by the deceased. The powers of attorney which had been granted on the trunk shall expire at the time of death.
If the vault is linked to a joint accountNo, it's not blocked. However, it is recommended to request the blocking and to have an inventory carried out in the presence of the heirs and the co-owner of the trunk to safeguard the interests of each.
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The employment contract provides that the employee is hired by a couple of individual employers
The survivor of the couple may continue the employment relationship with the employee. It must ensure that it is registered as an individual employer with theUrssaf: titleContent. If necessary, it may make the correction to that body.
Other case
The death of the individual employer automatically terminates the employee's employment contract.
The termination of the employment contract shall take place on the date of the death of the individual employer.
As soon as possible, you must inform the employee of the death of the individual employer and send him a written document.
The situation varies depending on whether the employee is on a permanent contract (CDI) or a fixed-term contract (CDD).
DTA
Amounts Due
- Last salary due on the day of death
- Notice Allowances and dismissal to which the employee is entitled in view of his seniority
Compensatory leave with pay
If there is any untaken paid leave remaining on the date of termination of the contract, a leave allowance paid is due.
This allowance shall be equal to the greater of the two amounts:
- Gross remuneration received by the employee for a period of work equivalent to that of the remaining paid leave
- 1/10e of the total gross remuneration received in the reference year
In the case of recourse to the Cesu, if the leave is paid every month, it does not give rise to compensatory allowance.
Termination Documents
The employee must be provided with the following documents:
- Work Certificate
- Pôle emploi Attestation
- Received for the balance of any account that details the amounts paid upon termination of the employment contract.
These documents shall be submitted within 30 months calendar days from the date of death.
CSD
In principle, the only case of recourse to the CDD provided for by the Labor Code for the individual employer is the replacement of an absent employee.
The rules differ depending on whether the CSD is non-term or term-specific.
It has no precise term
It is the permanent departure of the employee who is replaced that puts an end to the CDD.
It's a specific term
The CDD ends on the scheduled date and the heirs pay the employee until the original scheduled end date.
If the contract is terminated in advance, the employee is entitled to damages.
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All expenses were paid during the deceased's lifetime under a funeral contract
The heirs have nothing to pay. However, you should know that there are regularly additional sums to be paid (notably related to the evolution of prices since the signing of the funeral contract).
Other case
Heirs must pay the funeral costs, regardless of the existence or absence of emotional ties with the deceased and even if they renounce the estate.
The only exception is that an heir does not have to pay funeral expenses if the deceased person has seriously failed to fulfill his obligations to him.
If only one heir has signed the contract with the funeral company, he pays the bill alone. He must then ask the other heirs to repay their share.
The funeral expenses are divided among the heirs in proportion to the value of what each one collects in the estate:
- Either the heir who paid the costs requests a commissioner of justice (formerly bailiff and judicial auctioneer) to initiate a summons to pay or a procedure for recovery of small debts,
- He or she shall bring the matter before the court by subpoena or by application.
If the family of the deceased does not have sufficient resources, the mayor of the place of death assesses the lack of resources. If he so decides, the municipality will pay the funeral expenses. In this case, it is the city council that chooses the funeral home.
FYI
You can get together with social security, pension, mutual insurance, insurance, employers to look at funeral expenses.
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The deceased was your spouse
She was retired (and previously employed in the private sector)
With pension funds:
Pension funds are directly informed of the death by the State services.
- You can ask for the survivor's pension. This pension corresponds to a portion of the pension received by the deceased. Your gross annual resources must be less than a certain amount. To learn more, you can use a simulator which makes it possible to estimate your pension entitlement and/or consult our page dedicated to survivor's pension.
- You can also request the supplementary retirement pension. It's 60% of the fee that the deceased was receiving. It shall be awarded without a means test. However, you must not remarry.
- If you have at least 65 years and you have low resources, you can ask Solidarity allowance for the elderly - Aspa (ex-minimum old age). Your income must not exceed a certain amount. For more information, you can consult our Aspa page.
To the CPAM: titleContent or the MSA: titleContent :
- If you have a disability that reduces your ability to work by at least 2/3 and the deceased was receiving a disability or retirement pension, you can apply for the widow's or widower's disability pension. It is a percentage of the amount of the pension that the deceased was receiving. For more information, you can visit our pension page.
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
- You must hand over the vital card of the deceased to the CPAM or MSA (or send it by mail).
To the Cnav: titleContent or the AMM:
- You can ask widow's allowance if the deceased person was insured for at least three months, continuous or not, during the year preceding the death. Your resources must not exceed a certain amount. You must not live as a couple (remarriage, cohabitation, Civil partnerships). For more information, you can consult our widow's allowance page.
To the Caf: titleContent or the AMM:
- If you are raising a child on your own, you can ask Family Support Allowance (FSA) under certain conditions. For more information, see the topic concerned on the Caf website.
- If your resources are modest, you can benefit under certain conditions from active solidarity income (SSA). It provides a minimum level of income and a program of support for vocational integration. To learn more, you can use a simulator and/or consult our RSA dossier.
- If you are a tenant and have a modest income, you can apply for a housing allowance. To learn more, you can visit a simulator and/or consult our page on housing allowances.
She was retired (and previously a public servant)
To the pension fund:
You can ask for the survivor's pension. This pension corresponds to a portion of the pension received by the deceased.
To receive the survivor's pension, you must complete at least one the following 4 conditions:
- You have at least 1 child born from this marriage, including children born before the marriage, recognized by the father on whose behalf the pension rights were acquired
- Your marriage lasted for at least 4 years (for same-sex couples who are married by 31 December 2014, the length of the Civil partnerships preceding the marriage is taken into account in the calculation of the 4 years)
- Your marriage was celebrated at least 2 years before the deceased's retirement
- The deceased was receiving a disability pension and the marriage took place before the event that led to his retirement
To learn more, you can use a simulator which allows you to estimate your pension entitlement and/or consult our survivor's pension page.
From the health insurance fund:
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
- You must hand over the vital card of the deceased person to the cash register (or send it by post).
To the Caf: titleContent or the AMM:
- If you are raising a child on your own, you can ask Family Support Allowance (FSA) under certain conditions. For more information, see the topic concerned on the Caf website.
- If your resources are modest, you can benefit under certain conditions from active solidarity income (SSA). It provides a minimum level of income and a program of support for vocational integration. To learn more, you can use a simulator and/or consult our RSA dossier.
- If you are a tenant and have a modest income, you can apply for a housing allowance. To learn more, you can visit a simulator and/or consult our page on housing allowances.
She was a retired (and previously a contract employee in the public service)
With pension funds:
Pension funds are directly informed of the death by the State services.
- You can request a survivor's pension if you are at least 55 years old and based on your income. This pension corresponds to a portion of the pension received by the deceased. The application for a survivor's pension is made to the general social security scheme, under the same conditions as for a person entitled to a deceased who has worked in the private sector. To learn more, you can consult a simulator which makes it possible to estimate your pension entitlement and/or consult our page dedicated to survivor's pension.
- You can also request the supplementary retirement pension with theIrcantec: titleContent. The pension is 60 per cent of the amount of money the deceased was receiving. It shall be awarded without a means test. However, you must not remarry.
- If you have low resources, you can ask Solidarity allowance for the elderly - Aspa (ex-minimum old age). Your income must not exceed a certain amount. For more information, you can consult our Aspa page.
To the CPAM: titleContent or the MSA: titleContent :
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
- You must hand over the vital card of the deceased to the CPAM or MSA (or send it by mail).
To the Caf: titleContent or the AMM:
- If you are raising a child on your own, you can ask Family Support Allowance (FSA) under certain conditions. For more information, see the topic concerned on the Caf website.
- If your resources are modest, you can benefit under certain conditions from active solidarity income (SSA). It provides a minimum level of income and a program of support for vocational integration. To learn more, you can use a simulator and/or consult our RSA dossier.
- If you are a tenant and have a modest income, you can apply for a housing allowance. To learn more, you can visit a simulator and/or consult our page on housing allowances.
She was a private sector employee
With pension funds:
Pension funds are directly informed of the death by the State services.
- You can ask for the survivor's pension. This pension corresponds to a portion of the pension received by the deceased. Your gross annual resources must be less than a certain amount. To learn more, you can use a simulator which makes it possible to estimate your pension entitlement and/or consult our page dedicated to survivor's pension.
- You can also request the supplementary retirement pension. It's 60% of the fee that the deceased was receiving. It shall be awarded without a means test. However, you must not remarry.
To the CPAM: titleContent or the MSA: titleContent :
- You can claim a lump sum called death capital. For more information, you can consult our death capital page.
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
- If you have a disability that reduces your ability to work by at least 2/3 and the deceased was receiving a disability or retirement pension, you can apply for the widow's or widower's disability pension. It is a percentage of the amount of the pension that the deceased was receiving. For more information, you can visit our pension page.
- If the person died on the occasion of a accident at work in transit or, you can request, subject to conditions, a financial assistance your social security organization. This financial assistance is granted to you in the form of rent, i.e. a sum of money paid periodically. But beware:
- If you had at least 1 child with the deceased, you can only claim the annuity if you were not convicted on family grounds. This may be the case because of abandonment of the family, non-payment of maintenance or total withdrawal of parental authority.
- Accident at work If you do not have a child with the deceased: you can claim the annuity if you were married before the date of the trip or trip.
- If the person has died as a result of occupational disease, you can request, subject to conditions, a financial assistance. This financial assistance is granted to you in the form of rent, i.e. a sum of money paid periodically. You can apply for the annuity if you are in one of the following cases:
- You were living in a relationship with the deceased for more than 2 years at the time of death
- You have at least 1 child with the deceased. However, if you have been convicted on a family basis, you will not be entitled to an annuity. This may be the case because of abandonment of the family, non-payment of maintenance or total withdrawal of parental authority.
- You must hand over the vital card of the deceased to the CPAM or MSA (or send it by mail).
To the Cnav: titleContent or the AMM:
- You can ask widow's allowance if the deceased person was insured for at least three months, continuous or not, during the year preceding the death. Your resources must not exceed a certain amount. You must not live as a couple (remarriage, cohabitation, Civil partnerships). For more information, you can consult our widow's allowance page.
To the Caf: titleContent or the AMM:
- If you are raising a child on your own, you can ask Family Support Allowance (FSA) under certain conditions. For more information, see the topic concerned on the Caf website.
- If your resources are modest, you can benefit under certain conditions from active solidarity income (SSA). It provides a minimum level of income and a program of support for vocational integration. To learn more, you can use a simulator and/or consult our RSA dossier.
- If you are a tenant and have a modest income, you can apply for a housing allowance. To learn more, you can visit a simulator and/or consult our page on housing allowances.
She was a public servant
To the pension fund:
You can ask for the survivor's pension. This pension corresponds to a portion of the pension which the deceased would have received.
To receive the survivor's pension, you must complete at least one the following 4 conditions:
- You have at least 1 child born from this marriage, including children born before the marriage, recognized by the father on whose behalf the pension rights were acquired
- Your marriage lasted for at least 4 years (for same-sex couples who are married by 31 December 2014, the length of the Civil partnerships preceding the marriage is taken into account in the calculation of the 4 years)
- Your marriage was celebrated at least 2 years before the deceased's retirement
- The deceased was receiving a disability pension and the marriage took place before the event that led to his retirement
To learn more, you can use a simulator which allows you to estimate your pension entitlement and/or consult our survivor's pension page.
To the employer authority of the deceased:
- You can claim a lump sum called death capital. For more information, you can consult our death capital page.
From the health insurance fund:
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
- You must hand over the vital card of the deceased person to the health insurance fund (or send it by post).
To the Caf: titleContent or the AMM:
- If you are raising a child on your own, you can ask Family Support Allowance (FSA) under certain conditions. For more information, see the topic concerned on the Caf website.
- If your resources are modest, you can benefit under certain conditions from active solidarity income (SSA). It provides a minimum level of income and a program of support for vocational integration. To learn more, you can use a simulator and/or consult our RSA dossier.
- If you are a tenant and have a modest income, you can apply for a housing allowance. To learn more, you can visit a simulator and/or consult our page on housing allowances.
She was a contract agent in the public service
With pension funds:
Pension funds are directly informed of the death by the State services.
- You can request a survivor's pension if you are at least 55 years old and based on your income. This pension corresponds to a portion of the pension received by the deceased. The application for a survivor's pension is made to the general social security scheme, under the same conditions as for a person entitled to a deceased who has worked in the private sector. To learn more, you can consult a simulator which makes it possible to estimate your pension entitlement and/or consult our page dedicated to survivor's pension.
- You can also request the supplementary retirement pension with theIrcantec: titleContent. The pension is 60 per cent of the amount of money the deceased was receiving. It shall be awarded without a means test. However, you must not remarry.
To the CPAM: titleContent or the MSA: titleContent :
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
- You must hand over the vital card of the deceased to the CPAM or MSA (or send it by mail).
To the Caf: titleContent or the AMM:
- If you are raising a child on your own, you can ask Family Support Allowance (FSA) under certain conditions. For more information, see the topic concerned on the Caf website.
- If your resources are modest, you can benefit under certain conditions from active solidarity income (SSA). It provides a minimum level of income and a program of support for vocational integration. To learn more, you can use a simulator and/or consult our RSA dossier.
- If you are a tenant and have a modest income, you can apply for a housing allowance. To learn more, you can visit a simulator and/or consult our page on housing allowances.
She was registered as a jobseeker
To Pôle emploi:
- You must inform Pôle emploi of the death in order to stop the payment of the allowances: you can call 39 49 or move to the Pôle emploi agency.
- Whether the deceased was in the process of being compensated or in a period of deferred compensation or waiting time, you can ask death benefit. For more information, see the page dedicated to this allocation.
- If you are an heir, you can also request payment of unemployment benefits which remain due on the day of death.
To the CPAM: titleContent or the MSA: titleContent :
- Under certain conditions, you can request the payment of a lump sum called death capital. For more information, you can consult our death capital page.
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
- You must hand over the vital card of the deceased to the CPAM or MSA (or send it by mail).
To the pension fund:
- If the deceased person contributed for the retirement of the general social security scheme or the AMM and if your resources do not exceed a certain amount, you can request the survivor's pension. This pension corresponds to a portion of the pension received by the deceased. To learn more, you can consult a simulator which makes it possible to estimate your pension entitlement and/or consult our page dedicated to survivor's pension.
- If the deceased person was insured for at least 3 months during the year preceding the death, you can apply widow's allowance. Your resources must not exceed a certain amount. You must not live as a couple (remarriage, cohabitation, Civil partnerships). For more information, you can consult our widow's allowance page.
To the Caf: titleContent or the AMM:
- If you are raising a child on your own, you can ask Family Support Allowance (FSA) under certain conditions. For more information, see the topic concerned on the Caf website.
- If your resources are modest, you can benefit under certain conditions from active solidarity income (SSA). It provides a minimum level of income and a program of support for vocational integration. To learn more, you can use a simulator and/or consult our RSA dossier.
- If you are a tenant and have a modest income, you can apply for a housing allowance. To learn more, you can visit a simulator and/or consult our page on housing allowances.
The deceased was your Civil partnership partner
She was retired (and previously employed in the private sector)
To the CPAM: titleContent or the MSA: titleContent :
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
To the Caf: titleContent or the AMM:
- If you are raising a child on your own, you can ask Family Support Allowance (FSA) under certain conditions. For more information, see the topic concerned on the Caf website.
- If your resources are modest, you can benefit under certain conditions from active solidarity income (SSA). It provides a minimum level of income and a program of support for vocational integration. To learn more, you can use a simulator and/or consult our RSA dossier.
- If you are a tenant and have a modest income, you can apply for a housing allowance. To learn more, you can visit a simulator and/or consult our page on housing allowances.
She was retired (and previously a public servant)
From the health insurance fund:
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
- You must hand over the vital card of the deceased to the CPAM or MSA (or send it by mail).
To the Caf: titleContent or the AMM:
- If you are raising a child on your own, you can ask Family Support Allowance (FSA) under certain conditions. For more information, see the topic concerned on the Caf website.
- If your resources are modest, you can benefit under certain conditions from active solidarity income (SSA). It provides a minimum level of income and a program of support for vocational integration. To learn more, you can use a simulator and/or consult our RSA dossier.
- If you are a tenant and have a modest income, you can apply for a housing allowance. To learn more, you can visit a simulator and/or consult our page on housing allowances.
She was a retired (and previously a contract employee in the public service)
To the CPAM: titleContent or the MSA: titleContent :
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
To the Caf: titleContent or the AMM:
- If you are raising a child on your own, you can ask Family Support Allowance (FSA) under certain conditions. For more information, see the topic concerned on the Caf website.
- If your resources are modest, you can benefit under certain conditions from active solidarity income (SSA). It provides a minimum level of income and a program of support for vocational integration. To learn more, you can use a simulator and/or consult our RSA dossier.
- If you are a tenant and have a modest income, you can apply for a housing allowance. To learn more, you can visit a simulator and/or consult our page on housing allowances.
She was a private sector employee
To the CPAM: titleContent or the MSA: titleContent :
- You can claim a lump sum called death capital. For more information, you can consult our death capital page.
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
- If the person died on the occasion of a accident at work in transit or, you can request, subject to conditions, a financial assistance your social security organization. This financial assistance is granted to you in the form of rent, i.e. a sum of money paid periodically. But beware:
- If you had at least 1 child with the deceased, you can only claim the annuity if you were not convicted on family grounds. This may be the case because of abandonment of the family, non-payment of maintenance or total withdrawal of parental authority.
- Accident at work If you do not have a child with the deceased: you can claim the annuity if you were married before the date of the trip or trip.
- If the person has died as a result of occupational disease, you can request, subject to conditions, a financial assistance. This financial assistance is granted to you in the form of rent, i.e. a sum of money paid periodically. You can apply for the annuity if you are in one of the following cases:
- You were living in a relationship with the deceased for more than 2 years at the time of death
- You have at least 1 child with the deceased. However, if you have been convicted on a family basis, you will not be entitled to an annuity. This may be the case because of abandonment of the family, non-payment of maintenance or total withdrawal of parental authority.
- You must hand over the vital card of the deceased to the CPAM or MSA (or send it by mail).
To the Caf: titleContent or the AMM:
- If you are raising a child on your own, you can ask Family Support Allowance (FSA) under certain conditions. For more information, see the topic concerned on the Caf website.
- If your resources are modest, you can benefit under certain conditions from active solidarity income (SSA). It provides a minimum level of income and a program of support for vocational integration. To learn more, you can use a simulator and/or consult our RSA dossier.
- If you are a tenant and have a modest income, you can apply for a housing allowance. To learn more, you can visit a simulator and/or consult our page on housing allowances.
She was a public servant
To the employer authority of the deceased:
- You can claim a lump sum called death capital. For more information, you can consult our death capital page.
From the health insurance fund:
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
- You must hand over the vital card of the deceased person to the health insurance fund (or send it by post).
To the Caf: titleContent or the AMM:
- If you are raising a child on your own, you can ask Family Support Allowance (FSA) under certain conditions. For more information, see the topic concerned on the Caf website.
- If your resources are modest, you can benefit under certain conditions from active solidarity income (SSA). It provides a minimum level of income and a program of support for vocational integration. To learn more, you can use a simulator and/or consult our RSA dossier.
- If you are a tenant and have a modest income, you can apply for a housing allowance. To learn more, you can visit a simulator and/or consult our page on housing allowances.
She was a contract agent in the public service
To the CPAM: titleContent or the MSA: titleContent :
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
- You must hand over the vital card of the deceased to the CPAM or MSA (or send it by mail).
To the Caf: titleContent or the AMM:
- If you are raising a child on your own, you can ask Family Support Allowance (FSA) under certain conditions. For more information, see the topic concerned on the Caf website.
- If your resources are modest, you can benefit under certain conditions from active solidarity income (SSA). It provides a minimum level of income and a program of support for vocational integration. To learn more, you can use a simulator and/or consult our RSA dossier.
- If you are a tenant and have a modest income, you can apply for a housing allowance. To learn more, you can visit a simulator and/or consult our page on housing allowances.
She was registered as a jobseeker
To Pôle emploi:
- You must inform Pôle emploi of the death in order to stop the payment of the allowances: you can call 39 49 or move to the Pôle emploi agency.
- Whether the deceased was in the process of being compensated or in a period of deferred compensation or waiting time, you can ask death benefit. For more information, see the page dedicated to this allocation.
- If you are an heir, you can also request payment of unemployment benefits which remain due on the day of death.
To the CPAM: titleContent or the MSA: titleContent :
- Under certain conditions, you can request the payment of a lump sum called death capital. For more information, you can consult our death capital page.
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
- You must hand over the vital card of the deceased to the CPAM or MSA (or send it by mail).
To the Caf: titleContent or the AMM:
- If you are raising a child on your own, you can ask Family Support Allowance (FSA) under certain conditions. For more information, see the topic concerned on the Caf website.
- If your resources are modest, you can benefit under certain conditions from active solidarity income (SSA). It provides a minimum level of income and a program of support for vocational integration. To learn more, you can use a simulator and/or consult our RSA dossier.
- If you are a tenant and have a modest income, you can apply for a housing allowance. To learn more, you can visit a simulator and/or consult our page on housing allowances.
The deceased person was your partner or concubine
She was retired (and previously employed in the private sector)
To the CPAM: titleContent or the MSA: titleContent :
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
To the Caf: titleContent or the AMM:
- If you are raising a child on your own, you can ask Family Support Allowance (FSA) under certain conditions. For more information, see the topic concerned on the Caf website.
- If your resources are modest, you can benefit under certain conditions from active solidarity income (SSA). It provides a minimum level of income and a program of support for vocational integration. To learn more, you can use a simulator and/or consult our RSA dossier.
- If you are a tenant and have a modest income, you can apply for a housing allowance. To learn more, you can visit a simulator and/or consult our page on housing allowances.
She was retired (and previously a public servant)
From the health insurance fund:
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
- You must hand over the vital card of the deceased to the CPAM or MSA (or send it by mail).
To the Caf: titleContent or the AMM:
- If you are raising a child on your own, you can ask Family Support Allowance (FSA) under certain conditions. For more information, see the topic concerned on the Caf website.
- If your resources are modest, you can benefit under certain conditions from active solidarity income (SSA). It provides a minimum level of income and a program of support for vocational integration. To learn more, you can use a simulator and/or consult our RSA dossier.
- If you are a tenant and have a modest income, you can apply for a housing allowance. To learn more, you can visit a simulator and/or consult our page on housing allowances.
She was a retired (and previously a contract employee in the public service)
To the CPAM: titleContent or the MSA: titleContent :
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
To the Caf: titleContent or the AMM:
- If you are raising a child on your own, you can ask Family Support Allowance (FSA) under certain conditions. For more information, see the topic concerned on the Caf website.
- If your resources are modest, you can benefit under certain conditions from active solidarity income (SSA). It provides a minimum level of income and a program of support for vocational integration. To learn more, you can use a simulator and/or consult our RSA dossier.
- If you are a tenant and have a modest income, you can apply for a housing allowance. To learn more, you can visit a simulator and/or consult our page on housing allowances.
She was a private sector employee
To the CPAM: titleContent or the MSA: titleContent :
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
- You must hand over the vital card of the deceased to the CPAM or MSA (or send it by mail).
To the Caf: titleContent or the AMM:
- If you are raising a child on your own, you can ask Family Support Allowance (FSA) under certain conditions. For more information, see the topic concerned on the Caf website.
- If your resources are modest, you can benefit under certain conditions from active solidarity income (SSA). It provides a minimum level of income and a program of support for vocational integration. To learn more, you can use a simulator and/or consult our RSA dossier.
- If you are a tenant and have a modest income, you can apply for a housing allowance. To learn more, you can visit a simulator and/or consult our page on housing allowances.
She was a public servant
From the health insurance fund:
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
- You must hand over the vital card of the deceased person to the health insurance fund (or send it by post).
To the Caf: titleContent or the AMM:
- If you are raising a child on your own, you can ask Family Support Allowance (FSA) under certain conditions. For more information, see the topic concerned on the Caf website.
- If your resources are modest, you can benefit under certain conditions from active solidarity income (SSA). It provides a minimum level of income and a program of support for vocational integration. To learn more, you can use a simulator and/or consult our RSA dossier.
- If you are a tenant and have a modest income, you can apply for a housing allowance. To learn more, you can visit a simulator and/or consult our page on housing allowances.
She was a contract agent in the public service
To the CPAM: titleContent or the MSA: titleContent :
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
- You must hand over the vital card of the deceased to the CPAM or MSA (or send it by mail).
To the Caf: titleContent or the AMM:
- If you are raising a child on your own, you can ask Family Support Allowance (FSA) under certain conditions. For more information, see the topic concerned on the Caf website.
- If your resources are modest, you can benefit under certain conditions from active solidarity income (SSA). It provides a minimum level of income and a program of support for vocational integration. To learn more, you can use a simulator and/or consult our RSA dossier.
- If you are a tenant and have a modest income, you can apply for a housing allowance. To learn more, you can visit a simulator and/or consult our page on housing allowances.
She was registered as a jobseeker
To Pôle emploi:
- You must inform Pôle emploi of the death in order to stop the payment of the allowances: you can call 39 49 or move to the Pôle emploi agency.
- Whether the deceased was in the process of being compensated or in a period of deferred compensation or waiting time, you can ask death benefit. For more information, see the page dedicated to this allocation.
- If you are an heir, you can also request payment of unemployment benefits which remain due on the day of death.
To the CPAM: titleContent or the MSA: titleContent :
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
- You must hand over the vital card of the deceased to the CPAM or MSA (or send it by mail).
To the Caf: titleContent or the AMM:
- If you are raising a child on your own, you can ask Family Support Allowance (FSA) under certain conditions. For more information, see the topic concerned on the Caf website.
- If your resources are modest, you can benefit under certain conditions from active solidarity income (SSA). It provides a minimum level of income and a program of support for vocational integration. To learn more, you can use a simulator and/or consult our RSA dossier.
- If you are a tenant and have a modest income, you can apply for a housing allowance. To learn more, you can visit a simulator and/or consult our page on housing allowances.
The person who died was your father or mother
She was retired (and previously employed in the private sector)
With the supplementary pension fund:
- If your two parents have passed away, you can request the supplementary retirement pension of your parent who has just passed away. The pension is awarded without means test. The amount of the pension corresponds to 60% of the rights that the deceased received.
To the CPAM: titleContent or the MSA: titleContent :
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
She was retired (and previously a public servant)
To the pension fund:
Pension funds are directly informed of the death by the State services.
Under certain conditions, you can request the orphan's pension. It is equal to 10% of the pension the deceased was receiving. For more information, you can consult our page on this pension.
From the health insurance fund:
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
- You must hand over the vital card of the deceased to the CPAM or MSA (or send it by mail).
She was a retired (and previously a contract employee in the public service)
To the CPAM: titleContent or the MSA: titleContent :
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
She was a private sector employee
To the CPAM: titleContent or the MSA: titleContent :
- You can claim a lump sum called death capital. For more information, you can consult our death capital page.
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
She was a public servant
To the pension fund:
Under certain conditions, you can request the orphan's pension. It is equal to 10% of the pension which the deceased could have received. For more information, you can consult our page on this pension.
To the employer authority of the deceased:
- You can claim a lump sum called death capital. For more information, you can consult our death capital page.
From the health insurance fund:
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
She was a contract agent in the public service
To the CPAM: titleContent or the MSA: titleContent :
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
She was registered as a jobseeker
To Pôle emploi:
- If you are an heir, you can request payment of unemployment benefits which remain due on the day of death.
To the CPAM: titleContent or the MSA: titleContent :
- Under certain conditions, you can request the payment of a lump sum called death capital. For more information, you can consult our death capital page.
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
The deceased was your child
She was retired (and previously employed in the private sector)
With pension funds
Pension funds are directly informed of the death by the State services.
To the CPAM: titleContent or the MSA: titleContent :
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
She was retired (and previously a public servant)
With pension funds
Pension funds are directly informed of the death by the State services.
From the health insurance fund:
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
She was a retired (and previously a contract employee in the public service)
With pension funds
Pension funds are directly informed of the death by the State services.
From the health insurance fund:
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
She was a private sector employee
To the CPAM: titleContent or the MSA: titleContent :
- You can claim a lump sum called death capital. For more information, you can consult our death capital page.
She was a public servant
To the employer authority of the deceased:
If the deceased was not married, not married, not having a child, you can claim a lump sum called death capital. But you must meet 2 conditions:
- Dependency on the employee at the time of death
- Be taxable on income.
For more information, you can consult our death capital page.
From the health insurance fund:
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
She was a contract agent in the public service
To the CPAM: titleContent or the MSA: titleContent :
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
She was registered as a jobseeker
To Pôle emploi:
- If you are an heir, you can request payment of unemployment benefits which remain due on the day of death.
To the CPAM: titleContent or the MSA: titleContent :
- Under certain conditions, you can request the payment of a lump sum called death capital. For more information, you can consult our death capital page.
- If you are an heir, you can request the reimbursement of the sickness costs still due to the deceased. If health expenses have not been paid to the insured person during his lifetime and remain due on the date of his death, his heirs may obtain reimbursement from the health insurance fund. For more information, visit Ameli site presents the information.
You have to take care of the administrative papers of the deceased person. It is recommended that time limits for the storage of documents.
If the deceased had accounts on the social networksHowever, relatives can request either the deletion of the account (deletion forms are available on most networks) or (on some networks only) the conversion into a memorial account. Documents proving that you are a close relative of the deceased person will be requested. The National Commission of Informatics and Freedoms (Cnil) presents the information to know.
Update of the levy rate for spouses within 2 months after death
You declare the change of situation at your tax center within 2 months of death.
You will also be able to confirm or change your bank details and/or indicate a change in your income.
Your withholding tax rate will be then updated.
The year after death: file the tax return
The year after death, you must declare the last income of the deceased to the tax administration.
You're reporting his income on the 1er January on the date of his death.
You must deposit 2 tax returns to spring of the year after the year of death : you must deposit
- a joint declaration for the couple of 1er January until the date of death
- and an individual statement, in your name only, from the date of death to December 31.
Updated collection rate for Civil partnership partners within 2 months of death
You declare the change of situation at your tax center within 2 months of death.
You will also be able to confirm or change your bank details and/or indicate a change in your income.
Your withholding tax rate will be then updated.
The year after death: file the tax return
The year after death, you must declare the last income of the deceased to the tax administration.
You're reporting his income on the 1er January on the date of his death.
You must deposit 2 tax returns to spring of the year after the year of death : you must deposit
- a joint declaration for the couple of 1er January until the date of death
- and an individual statement, in your name only, from the date of death to December 31.
While not mandatory, it is helpful if your child was attached to your tax home to get closer to your public finance center to report the death.
Who shall I contact
Consideration will need to be given to changing the composition of the tax household on the income tax return in the year following death.
The deceased was a tenant of his principal residence
If the deceased was renting out their principal residence, you must notify the owner good.
You can find its contact information, for example, in the lease or on a rent receipt. You can also get closer to the real estate agency, property administrator or social landlord who has been entrusted with the management of the property.
Please note
If the accommodation was an official accommodation, the employer of the deceased should be contacted.
In principle, the death of the tenant does not terminate the lease (called lease) of his principal residence.
There are exceptions:
- The lease contains a clause that provides for the termination of the lease in the event of the death of the tenant
- The tenant was single, lived alone and had no heir
- The lease was governed by the Law of 1er September 1948. However, a right to be kept in the premises is reserved for certain persons, subject to conditions.
You must obtain a copy of the lease to know the applicable regime (Law 1989, Law 1948, HLM).
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The deceased was in private accommodation - Law 1989
The first step is to determine who is entitled to the right to housing, and then to manage the various contracts attached to the property.
Managing heirs' rights to housing
As the death does not terminate the contract, the lease is transferred and continues under the same conditions.
It is necessary to determine to whose benefit the lease is transferred. The situation varies according to the person's status (spouse, child, etc.).
If more than one person applies for the lease (ascendant, descendant, etc.), the judge will decide on the basis of the interests involved.
Please note: the transfer of the lease to the various beneficiaries (e.g. child) is not possible if the deceased tenant's spouse is a joint holder of the lease. The transfer will only be possible if the spouse has surrendered his or her exclusive right to the lease.
Spouse(s) of the deceased
The spouse of the deceased has rights to housing that will vary, depending on his or her situation.
The spouse may wish to remain in the dwelling he/she occupied, as his/her principal residence, with the deceased.
For this purpose, the spouse has a temporary right to occupy the dwelling after death.
To benefit from this right, he/she must have occupied the dwelling at the time of death.
This right of occupation is binding on the heirs of the deceased.
The spouse can therefore occupy for free the accommodation is furnished with all this furniture for 1 year from death. The spouse will have the right to reimbursement of rent by succession, during the year, as and when they are acquitted.
If the spouse was living with the tenant at the time of his or her death, and co-owner of the lease, it shall have a priority right over the lease.
Future rents are paid for by him.
The spouse may waive this right. In this case, he/she must inform, by registered letter with acknowledgement of receipt, the owner of the dwelling. Termination of the lease requires that the notice period provided for in the contract be respected.
The right to the lease is different depending on whether the spouse lived with the tenant at the time of his or her death.
If the spouse was still living with the tenant at the time of his or her death, and was not a co-owner of the lease, he/she has a right to transfer the lease.
Future rents are paid for by him.
If, at the time of death, the spouse no longer lived with the deceased tenant in the premises, he/she can still benefit from a right to transfer the lease. However, he must ask the owner of the dwelling. It is recommended to send the request by registered letter with acknowledgement of receipt.
Unlike the unseparated spouse, the spouse competes with other beneficiaries of the lease transfer (e.g. descendant). The judge will decide on the basis of the interests involved.
If the spouse does not wish to benefit from this transfer and the deceased has no heir, the lease is automatically terminated.
If the spouse benefits from the transfer, future rents will be paid by the spouse.
Otherwise, the rents payable since the date of death will constitute a debt which will be borne by all the heirs.
Partner linked to the person who died by a Civil partnership
The partner linked to the deceased person who holds the lease may be entitled to the transfer of the lease.
No common minimum lifespan is imposed. A Civil partnership recorded a few days before death allows this right to transfer.
If the partner wishes to benefit from the transfer, future rents will be at his/her expense.
If the partner waives this right, the rents payable since the date of death will constitute a debt that will weigh on all the heirs.
Descendant(s) of the deceased
The descendants (children or grandchildren) may be entitled to transfer the lease.
The lease may be transferred to a descendant or to several children who lived together in the dwelling.
Descendants must have lived with the deceased parent for at least one year prior to the date of death and be able to justify it.
They must also prove that they are the descendants of the deceased.
If the descendants wish to benefit from the transfer, future rents will be borne by them.
If they waive this right, the rents payable since the date of death will constitute a debt that will weigh on all heirs.
Notorious spouse of the deceased
The spouse may have a right to transfer the lease.
To do so, he must have lived with the deceased since at least 1 year before the date of death and prove it by all means.
In addition, the notoriety of the common life is required: a large number of people must be able to attest to its stable and continuous relationship. The community of life must not be open to question. The spouse must provide proof of this reputation.
If the spouse wishes to benefit from the transfer, future rents will be paid by the spouse.
If the spouse waives this right, the rents payable since the date of death will constitute a debt to all heirs.
Ascendant(s) of the deceased
The ascendants may be entitled to transfer the lease.
To do so, they must have lived with the deceased since at least one year before the date of deaths and prove it by all means.
They must also provide proof of their relationship to the deceased.
If the ascendant(s) wish to benefit from the transfer, future rents will be borne by them.
If ascendants waive this right, the rent payable since the date of death will be a debt that will be borne by all heirs.
Dependent living with the deceased
If the deceased assisted a person whose resources were insufficient to meet his or her basic needs personally, that person, known as the "dependant", may be entitled to the transfer of the lease.
It will have to be proven that the deceased person, the holder of the lease, assisted him.
To do so, the dependent must have lived with the deceased at least one year before the date of death.
If she wishes to benefit from the transfer, future rents will be borne by her.
If she waives this right, the rents payable since the date of death will constitute a debt that will weigh on all the heirs.
Managing Housing Contracts
Managing the Home Insurance Contract
Death does not terminate the home insurance contract. It automatically continues for the benefit of the heirs of the deceased.
However, at first, you must, within 15 days of death, notify the insurer with which the deceased had taken out a home insurance contract. You can ask whether other contracts (for example, car insurance) have been signed with the same insurer.
It is recommended to inform the insurer by registered letter with acknowledgement of receipt (paper or digital). Your mail must recall the home insurance contract number. You must attach a copy of the death certificate.
In a second step, check the date of payment of the insurance contribution to ensure that the property is covered by insurance. As long as the dwelling is not allocated to an heir, the next contribution payment is the responsibility of the heirs or spouse of the deceased.
Note: the notary in charge of the estate may, at the request of all the heirs, settle the contribution by means of the funds he holds on behalf of the estate under consideration.
In a third stage, you can:
- Terminate home insurance contract : the insurer may not object
- Transfer home insurance contract : for example, to the spouse who was living with the deceased, on behalf of theIndivision or on behalf of one of the heirs after agreement of all.
Namely: the insurer also has a right of termination within 3 months from the day on which the final beneficiary of the property has requested the transfer of the insurance contract in his name.
To terminate the home insurance contract, you have the option of making your claim by one of the following means:
- Letter or other durable medium (e.g. mail with acknowledgement)
- Statement made at the insurer's head office or representative (e.g. broker)
- Extrajudicial act using a Commissioner of Justice
- The same method of remote communication (telephone, mail, platform...) offered by the insurer for the conclusion of a contract
- Any other means provided for in the contract (e.g. registered letter with notice of receipt)
You will need to attach the following documents to your application:
- Certificate of notary or act of notoriety proving your status as heir and your ability to terminate the contract
- Copy of the death certificate (if your request for termination is made at the same time as the announcement of death)
On death, the application can be made without a deadline. Thus, it may take place without waiting for the anniversary date of the entry into force of the contract or the one-year period imposed on the multi-risk housing contract.
Termination of the home insurance contract will take effect 1 month after receipt of the letter of termination by the insurer.
Only premiums for the period following the effective date of the termination will be refunded.
Please note
As long as the settlement of the estate and the division of the property have not taken place, it is preferable that the property be insured to protect it against possible risks (theft, fire, water damage, etc.). Therefore, if you cancel this contract, it is recommended that you take out another one.
For the transfer of the home insurance contract, you will need to attach the following documents to your application:
- Certificate of notary or deed of notoriety proving your status as heir and your ability to transfer the contract
- Copy of the death certificate (if your request for transfer is made at the same time as the announcement of death)
- Copy of the identity document of the person on whose behalf the contract is transferred
- RIB of the person on whose behalf the contract is transferred, if you want to pay future contributions by direct debit
The insurer then has 3 months to accept this transfer or terminate the contract.
If the transfer has been accepted by the insurer, the new holder of the contract will be responsible for the payment of the next contributions.
Manage Service Provider Contracts
You'll also have to inform the various service providers (water, gas, electricity, telephone, internet, etc.) used by the deceased and with whom benefit contracts are ongoing.
Your mail should:
- Recall contract number
- Be accompanied by a copy of the death certificate.
Depending on the services, you may request the termination of the contract or the modification of the contract holder.
The deceased was in private accommodation - Law 1948
The first step is to determine who can benefit from the transfer of the rental contract, and then to manage the various contracts attached to the housing.
Managing heirs' rights to housing
Please note
To benefit from a lease governed by the 1948 law, the tenant must be entered the premisesbefore 23 december 1986.
For residential leases governed by the law of 1er september 1948, the lease is automatically terminated by the death of the tenant.
However, a right to maintenance on the premises is reserved for certain people. Thus, the following persons are entitled to be kept in the premises in the event of the death of the tenant:
- Spouse(s) of the deceased
- Partner linked to the person who died by a Civil partnership
- Ascendants if they had been living with the deceased tenant for more than a year
- Minor children if they lived with the deceased tenant for more than a year, until they reached the age of majority
- People with disabilities if they had been living with the deceased for more than a year
If several people claim the right to remain in the premises, the judge will decide based on the interests of each person.
Warning
The spouse does not have this right.
The person who benefits from being kept in the premises must be in good faith. It must respect the obligations of any tenant (payment of rents, maintenance of the dwelling, etc.).
It does not have to do any formality, except to inform the owner of the premises of the death of the tenant. The contract shall continue under the same conditions as the original contract. However, a rent increase is applied to certain people. The amount of the rent is equal to the rental value plus 50%.
This increase is not applied where the right to maintenance is conferred on the following person:
- Spouse(s) of deceased tenant
- Descendant minor.
Managing Housing Contracts
Managing the Home Insurance Contract
Death does not terminate the home insurance contract. It automatically continues for the benefit of the heirs of the deceased.
However, at first, you must, within 15 days of death, notify the insurer with which the deceased had taken out a home insurance contract.
It is recommended to inform the insurer by registered letter with acknowledgement of receipt (paper or digital). Your mail must recall the home insurance contract number. You must attach a copy of the death certificate.
In a second step, check the date of payment of the insurance contribution to ensure that the property is covered by insurance. As long as the dwelling is not allocated to an heir, the next contribution payment is the responsibility of the heirs or spouse of the deceased.
In a third stage, you can:
- Terminate home insurance contract : the insurer may not object
- Transfer home insurance contract for the benefit of the person who has been kept on the premises.
The insurer shall also have a right of termination within three months of the day on which the final beneficiary of the property has requested the transfer of the insurance contract in his name.
To terminate the home insurance contract, you have the option of making your claim by one of the following means:
- Letter or other durable medium (e.g. mail with acknowledgement)
- Statement made at the insurer's head office or representative (e.g. broker)
- Extrajudicial act using a Commissioner of Justice
- The same method of remote communication (telephone, mail, platform...) offered by the insurer for the conclusion of a contract
- Any other means provided for in the contract (e.g. registered letter with notice of receipt)
You will need to attach the following documents to your application:
- Certificate of notary or act of notoriety proving your status as heir and your ability to terminate the contract
- Copy of the death certificate (if your request for termination is made at the same time as the announcement of death)
On death, the application can be made without a deadline. Thus, it may take place without waiting for the anniversary date of the entry into force of the contract or the one-year period imposed on the multi-risk housing contract.
Termination of the home insurance contract will take effect 1 month after receipt of the letter of termination by the insurer.
Only premiums for the period following the effective date of the termination will be refunded.
For the transfer of the home insurance contract, you will need to attach the following documents to your application:
- Certificate of notary or deed of notoriety proving your status as heir and your ability to transfer the contract
- Copy of the death certificate (if your request for transfer is made at the same time as the announcement of death)
- Copy of the identity document of the person on whose behalf the contract is transferred
- RIB of the person on whose behalf the contract is transferred, if you want to pay future contributions by direct debit
The insurer then has 3 months to accept this transfer or terminate the contract.
If the transfer has been accepted by the insurer, the new holder of the contract will be responsible for the payment of the next contributions.
Manage Service Provider Contracts
You will also need to inform different service providers (water, gas, electricity, telephone, internet, etc.) used by the deceased and with whom benefit contracts are ongoing.
Your mail should:
- Recall contract number
- Be accompanied by a copy of the death certificate.
Depending on the services, you may request the termination of the contract or the modification of the contract holder.
The deceased was in social housing - HLM
The first step is to determine who can benefit from the transfer of the rental contract, and then to manage the various contracts attached to the housing.
Managing heirs' rights to housing
On the death of the tenant, the rental contract may be transferred, subject to. The request for transfer is subject to review.
The transfer of the leaseoccurs only if:
- The transferee fulfills the conditions for the award of social housing (income threshold not to be exceeded and regular stay on French territory)
- The transferee had been living with the deceased tenant for at least one year prior to the date of death
- The accommodation is adapted to the size of the household of the transferee.
These conditions are, in principle, cumulative. However, there are exceptions: according to the beneficiaries, not all conditions are required.
If more than one person applies for the lease (ascendant, descendant, etc.), the judge will decide on the basis of the interests involved. The spouse coLeaseholder has priority.
The transfer request must be made to the lessor. The contact details are in the lease.
The Housing Allocation and Occupancy Review Commission (CALEOL) examines the application and verifies the eligibility conditions. These conditions are examined from the day of death.
If the conditions are not met, the lease is automatically terminated.
If the conditions are met, the lease is transferred.
Spouse(s) of the deceased
The spouse of the deceased has a right to transfer the lease.
If the spouse was joint holder of the lease and was living with the tenant at the time of his/her death, he/she has a priority right over the lease.
In the event of acceptance, future rents shall be borne by the beneficiary.
The spouse may waive this right. In this case, he/she must inform the social lessor by registered letter with acknowledgement of receipt. The lease is terminated by death.
If, at the time of death, the spouse no longer lived with the tenant in the premises, he/she can still benefit from a right to transfer the lease.
The spouse is not subject to the means test in principle required for the transfer of a social housing lease.
Likewise, he/she does not have to justify that the size of the dwelling is adapted to his/her household.
If the spouse is a foreigner, he/she must have a residence permit regular on French territory.
If he/she wishes to benefit from the transfer, future rents will be borne by him/her.
If he/she renounces to request the transfer, the lease shall be terminated by death.
Partner linked to the deceased by a civil solidarity pact
The partner linked to the deceased person who holds the lease may be entitled to the transfer of the lease.
No common minimum lifespan is imposed.
The partner related to the deceased is not subject to the means test in principle required for the transfer of a social housing lease.
Likewise, he/she does not have to justify that the size of the dwelling is adapted to his/her household.
If the partner linked to the deceased is a foreigner, he or she should have a residence permit regular on French territory.
If he/she wishes to benefit from the transfer, future rents will be borne by him/her.
If he/she renounces to request the transfer, the lease shall be terminated by death.
Descendant(s) of the deceased
The descendants may be entitled to transfer the lease.
The lease may be transferred to a descendant or to several children who lived together in the dwelling.
Offspring must have lived with their deceased relative for at least one year before the date of his death and be able to justify it.
They must also provide proof that they are the deceased person’s descendants.
Descendants are subject to the means test for the transfer of a social housing lease, unless they are disabled or over 65.
They must also justify that the size of the dwelling is appropriate for their household, unless they are disabled or over 65. In this case, the social landlord of unconventional housing may offer rehousing in a smaller place.
If the descendants are foreigners, they must have a residence permit regular on French territory.
If they wish to benefit from the transfer, future rents will be borne by them.
If they renounce to apply for the transfer, the lease is terminated by death.
Notorious spouse of the deceased
The spouse may have a right to transfer the lease.
To do so, he/she must have lived with the deceased for at least one year before the date of his death and prove it by all means.
In addition, the notoriety of the common life is required: a large number of people must be able to attest to the stable and continuous relationship. The community of life must not be open to question. The cohabiting partner must provide proof of this reputation.
The spouse of the deceased is not subject to the means test in principle required for the transfer of a social housing lease.
Likewise, he/she does not have to justify that the size of the dwelling is adapted to his/her household.
If the cohabiting partner is a foreigner, he/she must have a residence permit regular on French territory.
If he/she wishes to benefit from the transfer, future rents will be borne by him/her.
If he/she renounces to request the transfer, the lease shall be terminated by death.
Ascendant(s) of the deceased
The ascendants may be entitled to transfer the lease.
To do so, they must have lived with the deceased since at least one year before the date of his death and prove it by all means.
They must also provide proof of their relationship to the deceased.
The relatives in the ascending line of the deceased are not subject to the means test in principle required for the transfer of a social housing lease.
Likewise, they do not have to justify that the size of the dwelling is appropriate for their household.
If ascendants are foreigners, they should have a residence permit regular on French territory.
If they wish to benefit from the transfer, future rents will be borne by them.
If they renounce to apply for the transfer, the lease is terminated by death.
Dependent living with the deceased
The deceased was able to help someone whose resources were insufficient to allow him or her to provide for his or her basic needs.
The dependant may have a right to transfer the lease.
She will have to prove that the deceased person, the holder of the lease, helped her.
The dependant must have lived with the deceased since at least one year before the date of his death and be able to justify it.
The dependent is subject to the means test for the transfer of a social housing lease, unless the dependent is disabled or over 65 years of age.
She must also justify that the size of the dwelling is appropriate for her household, unless she is disabled or over 65.
If the dependent is a foreigner, he or she must have a residence permit regular on French territory.
If she wishes to benefit from the transfer, future rents will be borne by her.
If it waives its request for the transfer, the lease shall be terminated by death.
Managing Housing Contracts
Death does not terminate the home insurance contract. It automatically continues for the benefit of the heirs of the deceased.
However, at first, you must, within 15 days of death, notify the insurer with which the deceased had taken out a home insurance contract. You can ask whether other contracts (for example, car insurance) have been signed with the same insurer.
It is recommended to inform the insurer by registered letter with acknowledgement of receipt (paper or digital). Your mail must recall the home insurance contract number. You must attach a copy of the death certificate.
In a second step, check the date of payment of the insurance contribution to ensure that the property is covered by the insurance contract. As long as the dwelling is not allocated to an heir, the next contribution payment is the responsibility of the heirs or spouse of the deceased.
Note: the notary in charge of the estate may, at the request of all the heirs, settle the contribution by means of the funds he holds on behalf of the estate under consideration.
In a third stage, you can:
- Terminate home insurance contract : the insurer may not object
- Transfer home insurance contract to the person who has benefited from the transfer of the lease.
Attention: the insurer also has a right of termination within 3 months from the day on which the final beneficiary of the property has requested the transfer of the insurance contract in his name.
Manage Home Insurance Contract
To terminate the home insurance contract, you have the option of making your claim by one of the following means:
- Letter or other durable medium (e.g. mail with acknowledgement)
- Statement made at the insurer's head office or representative (e.g. broker)
- Extrajudicial act using a Commissioner of Justice
- The same method of remote communication (telephone, mail, platform...) offered by the insurer for the conclusion of a contract
- Any other means provided for in the contract (e.g. registered letter with notice of receipt)
You will need to attach the following documents to your application:
- Certificate of notary or act of notoriety proving your status as heir and your ability to terminate the contract
- Copy of the death certificate (if your request for termination is made at the same time as the announcement of death)
On death, the application can be made without a deadline. Thus, it may take place without waiting for the anniversary date of the entry into force of the contract or the one-year period imposed on the multi-risk housing contract.
Termination of the home insurance contract will take effect 1 month after receipt of the letter of termination by the insurer.
Only premiums for the period following the effective date of the termination will be refunded.
Please note
As long as the settlement of the estate and the division of the property have not taken place, it is preferable that the property be insured to protect it against possible risks (theft, fire, water damage, etc.). Therefore, if you cancel this contract, it is recommended that you take out another one.
For the transfer of the home insurance contract, you will need to attach the following documents to your application:
- Certificate of notary or deed of notoriety proving your status as heir and your ability to transfer the contract
- Copy of the death certificate (if your request for transfer is made at the same time as the announcement of death)
- Copy of the identity document of the person on whose behalf the contract is transferred
- RIB of the person on whose behalf the contract is transferred, if you want to pay future contributions by direct debit
The insurer then has 3 months to accept this transfer or terminate the contract.
If the transfer has been accepted by the insurer, the new holder of the contract will be responsible for the payment of the next contributions.
Manage Service Provider Contracts
You will also have to inform the different service providers (water, gas, electricity, telephone, internet, etc.) used by the deceased and with whom benefit contracts are ongoing.
Your mail should:
- Recall contract number
- Be accompanied by a copy of the death certificate.
Depending on the services, you may request the termination of the contract or the modification of the contract holder.
The deceased was the owner of his principal residence
Heirs must obligatory call a notary if the deceased was the owner of a property.
Warning
In the presence of common children of the couple, the spouse of the deceased may opt for receive in usufruct the goods which would not have been donated or leg.
In this case, the heirs are naked owners and only the surviving spouse has possession of the property. He will be able to rent the property and collect the rents. However, he cannot sell them without the agreement of the heirs.
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The deceased owned a condo
You should inform the following people that your loved one has died:
- Trustee
- President of the Trade Union Council
- Custodian of the building, where the building has one
You can find the trustee’s contact details on a call for evidence or the last minutes of a general meeting. If you don’t have access to these documents, a building resident or caretaker can help.
The sending of summonses and the recovery of co-ownership charges are subject to the rules of the inheritance.
For example: if the deceased person designated the person who is to become the owner of the property upon death (legatee in particular), it will have to pay the charges. In case of an division, the burdens are distributed among the indivisaries in proportion to the rights of each in the indivision.
Please note : if you give up the estate, you are no longer required to pay the expenses.
However, the spouse and sometimes the partner related to the deceased have rights to housing. Once the rights of each individual are determined, the various housing contracts must be managed.
Managing heirs' rights to housing
Temporary right to occupy housing
Husband(s) may wish to remain in the dwelling that he occupied as his principal residence with the deceased.
For this purpose, the spouse has a temporary right to occupy the dwelling after death.
In order to benefit from this right, he/she must have occupied the dwelling at the time of death.
This right of occupation is imposed on the deceased’s heirs, even if the property belonged entirely to them (this is referred to as “own property” or personal property in the system of separation of property).
The spouse can therefore occupy for free the accommodation furnished with all this furniture during one year from the date of death.
Please note
This right shall also be open to the partner linked to the person who died by a Civil partnership. However, the deceased person may have planned to remove this right from him, in his provisions of last will (will), which is not possible in the case of marriage.
As long as the division has not taken place, the trustee will send the general meeting and the charge calls to the notary in charge of the estate.
Life law on housing
Husband(s)of the deceased person may also benefit, under certain conditions, from a lifetime right to housing, that is to say that he/she may live in the dwelling, furnished with his/her furniture, for the rest of his/her life.
The spouse, like other heirs, can make an inventory to list the furniture that adorns the dwelling and to have the condition of the latter described at the time of death.
FYI
When the accommodation is no longer suitable for the needs of the spouse, he or she can rent it and benefit from the rents to allow him or her to cover the costs related to his or her new accommodation (e.g. in Ehpad).
Life law cannot be implemented if housing was held in division (by the deceased and a third party) or held in SCI (civil real estate business).
On the other hand, it does not matter whether the dwelling is a property of the deceased person or a property shared by the two spouses. Being married under the separation of property has no effect: the spouse has a life right to the property.
In order to benefit from this right, the spouse must:
- Apply within one year of death (this period corresponds to his right to occupy the accommodation free of charge for 1 year)
- And to have accepted the succession on the basis of his status as heir.
It is recommended to make this request in writing, to avoid any subsequent conflict with the heirs.
Please note
Unlike the temporary right of occupation, this right is not acquired for the spouse. The deceased may have expressly denied it in his or her authentic will (written by a notary).
Warning
The partner linked to the person who died by a Civil partnership shall not be entitled to this life-long right.
Managing Housing Contracts
Manage Home Insurance Contract
Death does not terminate the home insurance contract. It automatically continues for the benefit of the heirs of the deceased.
However, at first, you must, within 15 days of death, notify the insurer with which the deceased had taken out a home insurance contract. You can ask whether other contracts (for example, car insurance) have been signed with the same insurer.
It is recommended to inform the insurer by registered letter with acknowledgement of receipt (paper or digital). Your mail must recall the home insurance contract number. You must attach a copy of the death certificate.
In a second step, check the date of payment of the insurance contribution to ensure that the property is covered by the insurance. As long as the dwelling is not allocated to an heir, the next contribution payment is the responsibility of the heirs or spouse of the deceased.
Note: The notary in charge of the estate may, at the request of all the heirs, ensure the payment of the contribution by means of the funds he holds on behalf of the estate under consideration.
In a third stage, you can:
- Terminate home insurance contract : the insurer may not object
- Transfer home insurance contract : for example, to the spouse who was living with the deceased, on behalf of thedivision or on behalf of one of the heirs after agreement of all.
Namely: The insurer also has a right of termination within three months of the day on which the final beneficiary of the property has requested the transfer of the insurance contract in his name.
To terminate the home insurance contract, you have the option of making your claim by one of the following means:
- Letter or other durable medium (e.g. mail with acknowledgement)
- Statement made at the insurer's head office or representative (e.g. broker)
- Extrajudicial act using a Commissioner of Justice
- The same method of remote communication (telephone, mail, platform...) offered by the insurer for the conclusion of a contract
- Any other means provided for in the contract (e.g. registered letter with notice of receipt)
You will need to attach the following documents to your application:
- Certificate of notary or act of notoriety proving your status as heir and your ability to terminate the contract
- Copy of the death certificate (if your request for termination is made at the same time as the announcement of death)
On death, the application can be made without a deadline. Thus, it may take place without waiting for the anniversary date of the entry into force of the contract or the one-year period imposed on the multi-risk housing contract.
Termination of the home insurance contract will take effect 1 month after receipt of the letter of termination by the insurer.
Only premiums for the period following the effective date of the termination will be refunded.
Please note
As long as the settlement of the estate and the division of the property have not taken place, it is preferable that the property be insured to protect it against possible risks (theft, fire, water damage, etc.). Therefore, if you cancel this contract, it is recommended that you take out another one.
For the transfer of the home insurance contract, you will need to attach the following documents to your application:
- Certificate of notary or deed of notoriety proving your status as heir and your ability to transfer the contract
- Copy of the death certificate (if your request for transfer is made at the same time as the announcement of death)
- Copy of the identity document of the person on whose behalf the contract is transferred
- RIB of the person on whose behalf the contract is transferred, if you want to pay future contributions by direct debit
The insurer then has 3 months to accept this transfer or terminate the contract.
If the transfer has been accepted by the insurer, the new holder of the contract will be responsible for the payment of the next contributions.
Manage Service Provider Contracts
You will also have to inform the different service providers (water, gas, electricity, telephone, internet, etc.) used by the deceased and with whom benefit contracts are ongoing. Depending on the services, you may request the termination of the contract or the modification of the contract holder.
Your mail should:
- Recall contract number
- Be accompanied by a copy of the death certificate.
The deceased person owned a detached house
The fate of the deceased's detached house will depend on the rules of the inheritance. However, the spouse, and sometimes the partner related to the deceased, has rights to housing.
You will also have to manage the various housing contracts.
Managing heirs' rights to housing
Temporary right to occupy housing
The spouse may wish to remain in the dwelling he/she occupied, as his/her principal residence, with the deceased.
For this purpose, he/she has a temporary right to occupy the dwelling after death.
In order to benefit from this right, he/she must have occupied the dwelling at the time of death.
This right of occupation is imposed on the heirs of the deceased, even if the property belonged to him totally (this is called “clean property”).
The spouse can therefore occupy for free the accommodation furnished with all this furniture during one year from the date of death.
Please note
This right shall also be open to the partner linked to the person who died by a civil solidarity pact. However, the deceased person may have planned to remove this right from him, in his provisions of last will (will), which is not possible in the case of marriage.
Life law on housing
Husband(s)of the deceased person may also benefit, under certain conditions, from a lifetime right to housing, that is to say, he may live in the dwelling, furnished with his furniture, for the rest of his life.
He/she, like other heirs, can make an inventory to list the furniture that adorns the dwelling and to have the condition of the latter described at the time of death.
FYI
When the accommodation is no longer suitable for the needs of the spouse, he/she can rent it and benefit from the rents to allow him/her to cover the costs related to his/her new accommodation (e.g. in Ehpad).
Life law cannot be implemented if the dwelling was held in division (by the deceased and a third party) or held in SCI (civil real estate business).
However, it does not matter whether the dwelling is a property of the deceased or a property shared by both spouses. Being married under the separation of property has no effect: the spouse has a life right to the property.
In order to benefit from this right, the spouse must:
- Apply within one year of death (this period corresponds to his right to occupy the accommodation free of charge for 1 year)
- And to have accepted the succession on the basis of his status as heir.
It is recommended to make this request in writing, to avoid any subsequent conflict with the heirs.
Please note
Unlike the temporary right of occupation, this right is not acquired for the spouse. The deceased may have expressly denied it in his or her authentic will (written by a notary).
Warning
The partner linked to the person who died by a civil solidarity pact shall not be entitled to this life-long right.
Managing Housing Contracts
Manage Home Insurance Contract
Death does not terminate the home insurance contract. It automatically continues for the benefit of the heirs of the deceased.
However, as a first step, within 15 days of death, you must notify the insurer with which the deceased had taken out a home insurance contract. You can ask whether other contracts (for example, car insurance) have been signed with the same insurer.
It is recommended to inform the insurer by registered letter with acknowledgement of receipt (paper or digital). Your mail must recall the home insurance contract number. You must attach a copy of the death certificate.
Second, check the date of payment of the insurance contribution to ensure that the property is covered by the insurance. As long as the dwelling is not allocated to an heir, the next contribution payment is the responsibility of the heirs or spouse of the deceased.
Please note : The notary in charge of the estate may, at the request of all the heirs, settle the contribution by means of the funds he holds on behalf of the estate under consideration.
In the third step, you have the possibility to:
- Terminate the home insurance contract: the insurer cannot object
- Transfer the home insurance contract: for example, to the spouse who lived with the deceased, on behalf of thedivision or on behalf of one of the heirs after agreement of all.
To know : The insurer also has a right of termination within 3 months of the day on which the final beneficiary of the property has requested the transfer of the insurance contract in his name.
To terminate the home insurance contract, you have the option of making your claim by one of the following means:
- Letter or other durable medium (e.g. mail with acknowledgement)
- Statement made at the insurer's head office or representative (e.g. broker)
- Extrajudicial act using a Commissioner of Justice
- The same method of remote communication (telephone, mail, platform...) offered by the insurer for the conclusion of a contract
- Any other means provided for in the contract (e.g. registered letter with notice of receipt)
You will need to attach the following documents to your application:
- Certificate of notary or act of notoriety proving your status as heir and your ability to terminate the contract
- Copy of the death certificate (if your request for termination is made at the same time as the announcement of death)
On death, the application can be made without a deadline. Thus, it may take place without waiting for the anniversary date of the entry into force of the contract or the one-year period imposed on the multi-risk housing contract.
Termination of the home insurance contract will take effect 1 month after receipt of the letter of termination by the insurer.
Only premiums for the period following the effective date of the termination will be refunded.
Please note
As long as the settlement of the estate and the division of the property have not taken place, it is preferable that the property be insured to protect it against possible risks (theft, fire, water damage, etc.). Therefore, if you cancel this contract, it is recommended that you take out another one.
For the transfer of the home insurance contract, you will need to attach the following documents to your application:
- Certificate of notary or deed of notoriety proving your status as heir and your ability to transfer the contract
- Copy of the death certificate (if your request for transfer is made at the same time as the announcement of death)
- Copy of the identity document of the person on whose behalf the contract is transferred
- RIB of the person on whose behalf the contract is transferred, if you want to pay future contributions by direct debit
The insurer then has 3 months to accept this transfer or terminate the contract.
If the transfer has been accepted by the insurer, the new holder of the contract will be responsible for the payment of the next contributions.
Manage Service Provider Contracts
You will also have to inform the various service providers (water, gas, electricity, telephone, internet, etc.) used by the deceased and with whom service contracts are ongoing. Depending on the services, you may request the termination of the contract or the modification of the contract holder.
Your mail should:
- Recall contract number
- Be accompanied by a copy of the death certificate.
The deceased was residing in an Ehpad
If the person has died in the hospital, you must notify as soon as possible the direction of the Ehpad in which he/she stayed before his hospitalization. You'll have to give him a copy of the death certificate.
Review the residence contract (or the individual care document) that was signed with Ehpad: it provides the conditions and the terms of its termination in case of death.
As long as the personal items of the deceased are not removed from the occupied room, the residence contract shall continue to run.
Please note
If personal items cannot be removed within 6 days of death, Ehpad may charge for occupancy. The amount claimed may not exceed that corresponding to the benefit base due for a maximum duration of 6 days. Expenses related to the restoration are deducted from the invoiced amount.
Once the deceased's personal effects have been removed, the room is released. A contradictory state of affairs of exit, in the presence of the heirs or legal representative of the deceased person and the person in charge of the establishment, may take place.
From that moment on, only accommodation benefits issued prior to death, but not paid, may be invoiced by the establishment. These fees constitute a debt that weighs on the heirs and are deducted from the security deposit (the amount of which corresponds to 30 days of accommodation costs).
The security deposit and sums received in advance corresponding to benefits not granted on account of death shall be repaid within 30 days after death.
FYI
Costs of renovation following possible damage exceeding the damage due to dilapidation may be deducted at the time of return of the security deposit. However, no sum may be charged for rehabilitation where an inventory has not been carried out on entry and exit.
The sums to be returned are paid into the accounts of the notary in charge of the succession.
Reminder
You must warn social organizations if the deceased was a beneficiary of aid (APA, SLA, APL, ASH) to pay for your stay in the establishment.
You must also terminate civil liability insurance subscribed in the name of the deceased. You have the choice to make your request by one of the following means:
- Letter or other durable medium (e.g. mail with acknowledgement)
- Statement made at the insurer's head office or representative (e.g. broker)
- Extrajudicial act using a Commissioner of Justice
- The same method of remote communication (telephone, mail, platform...) offered by the insurer for the conclusion of a contract
- Any other means provided for in the contract (e.g. registered letter with notice of receipt)
You will need to attach the following documents to your application:
- Certificate of notary or act of notoriety proving your status as heir and your ability to terminate the contract
- Copy of the death certificate (if your request for termination is made at the same time as the announcement of death)
On death, the application may be made without having to meet a deadline.
Termination of the contract will take effect 1 month after receipt of the letter of termination by the insurer.
Only premiums for the period following the effective date of the termination will be refunded.
The deceased owned rented property and/or second homes.
Property under long-term lease
After the death, you must contact the tenants who occupy the property to inform them of the death.
The death of the lessor does not terminate the contract: it continues under the same conditions.
If a non-occupier proprietary insurance had been subscribed by the deceased, you must inform the insurer within 15 days after the death.
It is recommended to inform the insurer by registered letter with acknowledgement of receipt (paper or digital). Your mail must recall the contract number. You must attach a copy of the death certificate.
Check the date of payment of the insurance contribution to ensure that the property is covered by the insurance. As long as the dwelling is not allocated to an heir, the next contribution payment is the responsibility of the heirs or spouse of the deceased.
You have the option to:
- Terminate the home insurance contract: the insurer cannot object
- Transfer home insurance contract.
The insurer shall also have a right of termination within three months of the day on which the final beneficiary of the property has requested the transfer of the insurance contract in his name.
Reminder
If the rented property is a condominium unit, the trustee must be informed of the death.
Second homes
Second homesare subject to the rules of the inheritance.
If a second home is a condominium unit, the trustee must be informed of the death.
You also have to manage the contracts attached to those units.
Please note
If the deceased person rented his or her second homes from occasional manner via a platform or online, it is advisable to remove the assets from the lease, until the final beneficiary(ies) of the assets have been identified.
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Manage Home Insurance Contract
Death does not terminate the home insurance contract. It automatically continues for the benefit of the heirs of the deceased.
However, at first, you must, within 15 days of death, notify the insurer with which the deceased had taken out a home insurance contract. You can ask whether other contracts (for example, car insurance) have been signed with the same insurer.
It is recommended to inform the insurer by registered letter with acknowledgement of receipt (paper or digital). Your mail must recall the home insurance contract number. You must attach a copy of the death certificate.
In a second step, check the date of payment of the insurance contribution to ensure that the property is covered by insurance. As long as the dwelling is not allocated to an heir, the next contribution payment is paid by the heirs or the spouse.
In a third stage, you can:
- Terminate the home insurance contract: the insurer cannot object
- Transfer home insurance contract.
The insurer shall also have the right of termination within three months of the day on which the final beneficiary of the property has requested the transfer of the insurance contract in his name.
Terminate home insurance contract
To terminate the home insurance contract, you have the option of making your claim by one of the following means:
- Letter or other durable medium (e.g. mail with acknowledgement)
- Statement made at the insurer's head office or representative (e.g. broker)
- Extrajudicial act using a Commissioner of Justice
- The same method of remote communication (telephone, mail, platform...) offered by the insurer for the conclusion of a contract
- Any other means provided for in the contract (e.g. registered letter with notice of receipt)
You will need to attach the following documents to your application:
- Certificate of notary or act of notoriety proving your status as heir and your ability to terminate the contract
- Copy of the death certificate (if your request for termination is made at the same time as the announcement of death)
On death, the application can be made without a deadline. Thus, it may take place without waiting for the anniversary date of the entry into force of the contract or the one-year period imposed on the multi-risk housing contract.
Termination of the home insurance contract will take effect 1 month after receipt of the letter of termination by the insurer.
Only premiums for the period following the effective date of the termination will be refunded.
Please note
As long as the settlement of the estate and the division of the property have not taken place, it is preferable that the property be insured to protect it against possible risks (theft, fire, water damage, etc.). Therefore, if you cancel this contract, it is recommended that you take out another one.
Transfer home insurance contract
For the transfer of the home insurance contract, you will need to attach the following documents to your application:
- Certificate of notary or deed of notoriety proving your status as heir and your ability to transfer the contract
- Copy of the death certificate (if your request for transfer is made at the same time as the announcement of death)
- Copy of the identity document of the person on whose behalf the contract is transferred
- RIB of the person on whose behalf the contract is transferred, if you want to pay future contributions by direct debit
The insurer then has 3 months to accept this transfer or terminate the contract.
If the transfer has been accepted by the insurer, the new holder of the contract will be responsible for the payment of the next contributions.
Manage Service Provider Contracts
You will also need to inform different service providers (water, gas, electricity, telephone, internet, etc.) used by the deceased and with whom benefit contracts are ongoing. Depending on the services, you may request the termination of the contract or the modification of the contract holder.
Your mail should:
- Recall contract number
- And be accompanied by a copy of the death certificate.
If the deceased had a personal and/or professional motor vehicle (car, 2 wheels), steps are to be carried out. They concern the insurance contract and the certificate of registration (formerly carte grise) of the vehicle.
Death does not result in termination of the motor insurance contract. It automatically continues for the benefit of the heirs of the deceased.
Warning
If you wish use the vehicle before it is assigned to an heir, given, sold or destroyed, you must check, in the insurance contract, whether the steering wheel loan is authorized with or without frankness.
Anyway, at first, you must, within 15 days after death, notify the insurer with which the deceased had entered into the contract. You can ask whether other contracts (for example, home insurance) have been signed with the same insurer.
It is recommended thatInforming the insurer by registered letter with acknowledgement of receipt (paper or digital).
Your mail should:
- Recall the number of the motor insurance contract
- Be accompanied by a copy of the death certificate.
In a second stage, check the date of payment of the insurance contribution to make sure the vehicle is covered by insurance. As long as the vehicle is not assigned to an heir, given, sold or destroyed, the next contribution payment is payable by the heirs or spouse of the deceased person.
Please note
The notary in charge of the estate may, at the request of all the heirs, settle the contribution by means of the funds he holds on behalf of the estate under consideration.
In a third stage, you can:
- Amend the motor insurance contract, if the spouse of the deceased was also a co-signatory of the contract
- Terminate the motor insurance contract: the insurer cannot object. Unless the vehicle is no longer serviceable, the vehicle must be insured with another insurer
- Transfer the motor insurance contract if a person has been designated, with the agreement of all the heirs to be the new owner of the vehicle. In the absence of unanimous agreement, it is recommended that the car remain insured in the name of the deceased until the settlement of the estate. Once the estate has been settled, and the heir appointed, he must request the transfer of the contract in his name. The amount of the insurance premium will then be changed to take account of the characteristics and background of the new driver (age, bonus-malus, etc.).
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The deceased was the owner of the vehicle
The deceased's vehicle was fully paid for. The heirs have the choice: keep or transfer (sell or give away) the vehicle. They may also want to scrap the vehicle, especially if it is in poor condition.
The heirs want to keep the vehicle
It is important to determine who will be the new driver of the vehicle in order to change the holder of the registration certificate and transfer the motor insurance contract to him. This may be the spouse, an heir or several heirs of the deceased.
Spouse(s) of the deceased
You have to check under which matrimonial regime the spouses were married and determined whether the vehicle belonged only to the deceased or to both spouses.
The vehicle was acquired during the marriage: it is a common property that is presumed to belong to the two spouses, in equal shares as to its value. As a result, heirs inherit half the value of the car.
However, the spouse may wish to continue to use the vehicle for his or her daily needs. In the absence of a child from a first marriage of the deceased person, the spouse may opt for a usufruct right on all the assets of the succession which would not have been the subject of a donation or a leg. In this case, he/she can keep the vehicle.
If these conditions are not met, the spouse may request the preferential allocation of the property to the heirs. In this case, a letter of withdrawal is signed by all the heirs in favor of the spouse.
Carte grise In all cases, the spouse must request the modification of the contract in his or her name and the transfer of the motor insurance contract.
Carte grise The child must be given in the name of the spouse.
The procedure is carried out online using the following online service:
Carte grise Request an inherited vehicle
This approach requires identification via France Connect.
The spouse must bring a digital copy (photo or scan) of the following documents:
- Form cerfa no. 13750
- Proof of domicile less than 6 months
- Carte grise original
- Valid ID ID
- Family record of death, matrimonial regime and number of heirs
Reminder
If the heirs agree and if the spouse has not opted for usufruct, a signed certificate from all the heirs certifying that they renounce the vehicle for the benefit of the spouse or a certificate from the notary acknowledging their agreement to allocate it must be provided.
The format of the scanned documents can be one of the following: JPG, PNG, BMP, TIFF, PDF.
Please note
If another person makes this request on behalf of the spouse, they must attach the following documents:
The spouse must certify on the honor that he/she has a certificate of insurance of the vehicle and a driving license corresponding to the category of vehicle registered.
He/she does not have to attach a digital copy (photo or scan) of the driving license. However, he may be asked to provide a copy when his case is being examined.
FYI
Proof of a valid roadworthiness test shall be required if the vehicle so requires. Carte grise It may be provided by the roadworthiness sticker affixed to the
The Rules of Procedure of carte grise amount of must be made by credit card.
At the end of the procedure, the heir obtains the following 3 elements:
- File Number
- Accused of registering his application
- Provisional Certificate of Registration (PIC), to be printed. The CPI allows for circulation for 1 month, only in France, carte grise while waiting to receive the
Carte grise The following is sent as secure fold, in general within 7 working days.
Carte grise However, the delay may be longer if the application is incomplete or needs to be analyzed by the instructor (the manufacturing of the GRT can only be launched after this step). The delay may also be longer depending on the number of applications being processed.
The progress of the dossier can be monitored on the website of theANTS: titleContent :
Carte grise Follow your request to
In the event of an absence during the passage of the postman, a notice of passage will be filed. The new holder has 15 days to retrieve the document at La Poste (or give a power of attorney to a third party to do it for him). After this period, the title is returned to the sender. The ANT will then have to be contacted for removal.
Warning
Carte grise The old one must be kept for 5 years. After this period, it must be destroyed.
If the spouse of the deceased was also a co-signatory of the contract, he/she may request the amendment of the contract.
If not, he/she requests the transfer of the motor insurance contract. He/she shall attach the following documents to his/her application:
- Certificate of notary or deed of notoriety proving his status as heir and his ability to transfer the contract
- If necessary, signed certificate from all heirs certifying that they renounce the vehicle for his benefit or certificate from the notary stating their agreement to assign it
- Copy of the death certificate (if the request for transfer is made at the same time as the announcement of death)
- Copy of his ID
- RIB, if the spouse wishes to pay the future contributions by deduction
Please note
The insurer then has 3 months to accept this transfer or terminate the contract.
The amount of the insurance premium will be adjusted to take account of the characteristics and background of the spouse(s) (age, bonus-malus, etc.).
The vehicle purchased during the marriage is a property of the deceased. Carte grise As a result, it is in its exclusive name. The property enters into the estate for the benefit of the heirs.
However, the spouse may wish to keep and use the vehicle for his or her daily needs. In this case, he/she may request the preferential allocation of the property to the heirs. In this case, a letter of withdrawal is signed by all the heirs in his favor. Carte grise If the heirs agree, the spouse may request the modification of the contract in his or her name and the transfer of the motor insurance contract.
Carte grise In the event of agreement by all the heirs, the spouse(s) must be given the decision.
The procedure is carried out online using the following online service:
Carte grise Request an inherited vehicle
This approach requires identification via France Connect.
The spouse must bring a digital copy (photo or scan) of the following documents:
- Form cerfa no. 13750
- Proof of domicile less than 6 months
- Carte grise original
- Valid ID ID
- Document proving heir status:
- Certificate from the notary certifying that Mr. (or Mrs.), born on [...] at [...], died on [...] at [...] and that in the estate there is a vehicle. The certificate must state the make and registration number and, if possible, the type and number in the type series
- Or notoriety certificate drawn up by a notary
- Or death certificate accompanied by a signed certificate from all the heirs certifying that there is no will, nor other heirs of the deceased, that there is no trial or ongoing challenge concerning the status of heir or the composition of the estate
- Letter of withdrawal of all other heirs in favor of the spouse or a certificate of attribution of the notary
The format of the scanned documents can be one of the following: JPG, PNG, BMP, TIFF, PDF.
Please note
If another person makes this request on behalf of the spouse, they must attach the following documents:
The spouse must certify on the honor that he/she has a certificate of insurance of the vehicle and a driving license corresponding to the category of vehicle registered.
He/she does not have to attach a digital copy (photo or scan) of the driving license. However, he may be asked to provide a copy when his case is being examined.
FYI
Proof of a valid roadworthiness test shall be required if the vehicle so requires. Carte grise It may be provided by the roadworthiness sticker affixed to the
The Rules of Procedure of carte grise amount of must be made by credit card.
At the end of the procedure, the heir obtains the following 3 elements:
- File Number
- Accused of registering his application
- Provisional Certificate of Registration (PIC), to be printed. The CPI allows for circulation for 1 month, only in France, carte grise while waiting to receive the
Carte grise The following is sent as secure fold, in general within 7 working days.
Carte grise However, the delay may be longer if the application is incomplete or needs to be analyzed by the instructor (the manufacturing of the GRT can only be launched after this step). The delay may also be longer depending on the number of applications being processed.
The progress of the dossier shall be monitored on the website of theANTS: titleContent :
Carte grise Follow your request to
In the event of an absence during the passage of the postman, a notice of passage will be filed. The new holder has 15 days to retrieve the document at La Poste (or give a power of attorney to a third party to do it for him). After this period, the title is returned to the sender. The ANT will then have to be contacted for removal.
Warning
Carte grise The old one must be kept for 5 years. After this period, it must be destroyed.
The spouse requests the transfer of the motor insurance contract. He/she shall attach the following documents to his/her application:
- Certificate of notary or deed of notoriety proving his status as heir and his ability to transfer the contract
- Signed certificate from all heirs certifying that they renounce the vehicle for its benefit or certificate from the notary stating their agreement to assign it
- Copy of the death certificate (if the request for transfer is made at the same time as the announcement of death)
- Copy of his ID
- RIB, if the spouse wishes to pay the future contributions by deduction
Please note
The insurer then has 3 months to accept this transfer or terminate the contract.
The amount of the insurance premium will be adjusted to take account of the characteristics and background of the spouse(s) (age, bonus-malus, etc.).
Heir of the deceased
Carte grise The sole heir must apply for the transfer of the motor insurance contract and then put the registration certificate (formerly called the certificate of registration) in his name.
TO note: the heir also has the option of changing insurers.
For the transfer of the motor insurance contract, the application must be accompanied by the following documents:
- Certificate of notary or deed of notoriety proving the status of heir and the ability to transfer the contract
- Copy of the death certificate (if the request for transfer is made at the same time as the announcement of death)
- Copy of the identity document of the person on whose behalf the contract is transferred
- RIB of the person on whose behalf the contract is transferred, if it is desired to pay future contributions by direct debit
Please note
The insurer then has 3 months to accept this transfer or terminate the contract.
The amount of the insurance premium will be changed to take account of the characteristics and background of the new driver (age, bonus-malus, etc.).
The person should do the online gait using the online service:
Carte grise Request an inherited vehicle
This approach requires identification via France Connect.
It must carry a digital copy (photo or scan) of the following documents:
- Form cerfa no. 13750
- Proof of domicile less than 6 months
- Valid ID ID
- Carte grise original
- Document proving his status as heir:
- Certificate of the notary in charge of the liquidation of the estate certifying that Mr. Mrs. ..., born on ... at ..., died on ... at ... and that there is a vehicle in the estate. The certificate shall state the make, registration number and, if possible, type and number in the type series
- Or notoriety certificate drawn up by a notary
- Or death certificate accompanied by a certificate, signed by the heir certifying that there is no will, nor other heirs of the deceased, and that there is no trial or ongoing challenge concerning the status of heir or the composition of the estate
The format of the scanned documents can be one of the following: JPG, PNG, BMP, TIFF, PDF.
Please note
If another person makes this request on behalf of the heir, they must attach the following documents:
The sole heir must certify on the honor that he has a certificate of insurance of the vehicle and a driving license corresponding to the category of vehicle registered.
They do not have to attach a digital copy (photo or scan) of the driver's license. However, he may be asked to provide a copy when his case is being examined.
FYI
Proof of a valid roadworthiness test shall be required if the vehicle so requires. Carte grise It may be provided by the roadworthiness sticker affixed to the
The Rules of Procedure of carte grise amount of must be made by credit card.
At the end of the procedure, the heir obtains the following 3 elements:
- File Number
- Accused of registering his application
- Provisional Certificate of Registration (PIC), to be printed. The CPI allows for circulation for 1 month, only in France, carte grise while waiting to receive the
Carte grise The following is sent as secure fold, in general within 7 working days.
Carte grise However, the delay may be longer if the application is incomplete or needs to be analyzed by the instructor (the manufacturing of the GRT can only be launched after this step). The delay may also be longer depending on the number of applications being processed.
The progress of the dossier can be monitored on the website of theANTS: titleContent :
Carte grise Follow your request to
In the event of an absence during the passage of the postman, a notice of passage will be filed. The new holder has 15 days to retrieve the document at La Poste (or give a power of attorney to a third party to do it for him). After this period, the title is returned to the sender. The ANT will then have to be contacted for removal.
Warning
Carte grise The old one must be kept for 5 years. After this period, it must be destroyed.
Even before the division of the assets contained in the estate, the heirs may agree among themselves to decide on the allocation of the vehicle of the deceased person to one of them.
Carte grise Once the agreement has been obtained from all the heirs, the new beneficiary of the vehicle must request the transfer of the motor insurance contract and then put the registration certificate (formerly called the vehicle registration certificate) in his or her name.
TO note: the heir also has the option of changing insurers.
For the transfer of the motor insurance contract, you will need to attach the following documents to your application:
- Certificate of notary or deed of notoriety proving the status of heir and the ability to transfer the contract
- Signed certificate from all heirs certifying that they renounce the vehicle for its benefit or certificate from the notary stating their agreement to assign it
- Copy of the death certificate (if the request for transfer is made at the same time as the announcement of death)
- Copy of the identity document of the person on whose behalf the contract is transferred
- RIB of the person on whose behalf the contract is transferred, if it is desired to pay future contributions by direct debit
Please note
The insurer then has 3 months to accept this transfer or terminate the contract.
The amount of the insurance premium will be changed to take account of the characteristics and background of the new driver (age, bonus-malus, etc.).
The person should do the online gait using the online service:
Carte grise Request an inherited vehicle
This approach requires identification via France Connect.
The heir must bring a digital copy (photo or scan) of the following documents:
- Form cerfa no. 13750
- Proof of domicile less than 6 months
- Valid ID ID
- Carte grise original
- Document proving heir status:
- Certificate of the notary in charge of the liquidation of the estate certifying that Mr. Mrs. ..., born on ... at ..., died on ... at ... and that there is a vehicle in the estate. The certificate shall state the make, registration number and, if possible, type and number in the type series
- Or notoriety certificate drawn up by a notary
- Or death certificate accompanied by a certificate, signed by the heir certifying that there is no will, nor other heirs of the deceased, and that there is no trial or ongoing challenge concerning the status of heir or the composition of the estate
- Signed certificate from all the heirs certifying that they renounce the vehicle for the benefit of one of them or certificate from the notary stating their agreement to assign it
The format of the scanned documents can be one of the following: JPG, PNG, BMP, TIFF, PDF.
Please note
If another person makes this request on behalf of the heir, they must attach the following documents:
The sole heir must certify on the honor that he has a certificate of insurance of the vehicle and a driving license corresponding to the category of vehicle registered.
They do not have to attach a digital copy (photo or scan) of the driver's license. However, he may be asked to provide a copy when his case is being examined.
FYI
Proof of a valid roadworthiness test shall be required if the vehicle so requires. Carte grise It may be provided by the roadworthiness sticker affixed to the
The Rules of Procedure of carte grise amount of must be made by credit card.
At the end of the procedure, the heir obtains the following 3 elements:
- File Number
- Accused of registering his application
- Provisional Certificate of Registration (PIC), to be printed. The CPI allows for circulation for 1 month, only in France, carte grise while waiting to receive the
Carte grise The following is sent as secure fold, in general within 7 working days.
Carte grise However, the delay may be longer if the application is incomplete or needs to be analyzed by the instructor (the manufacturing of the GRT can only be launched after this step). The delay may also be longer depending on the number of applications being processed.
The progress of the dossier can be monitored on the website of theANTS: titleContent :
Carte grise Follow your request to
In the event of an absence during the passage of the postman, a notice of passage will be filed. The new holder has 15 days to retrieve the document at La Poste (or give a power of attorney to a third party to do it for him). After this period, the title is returned to the sender. The ANT will then have to be contacted for removal.
Warning
Carte grise The old one must be kept for 5 years. After this period, it must be destroyed.
Several heirs of the deceased
Carte grise If several heirs want to use the vehicle, this has an impact on the car insurance contract and the registration certificate (formerly).
New vehicle owners will have to request the transfer of the contract to their names.
For the transfer of the motor insurance contract, they must attach the following documents to their application:
- Certificate of notary or deed of notoriety proving their status as heir and their ability to transfer the contract
- Copy of death certificate
- Copy of the identity document of the persons on whose behalf the contract is transferred
- RIB of the person who will pay the future contributions by levy
The insurer then has 3 months to accept this transfer or terminate the contract.
The amount of the insurance premium will then be adjusted to take account of the characteristics and background of new drivers (age, bonus-malus, etc.).
Please note
If the heirs are all in agreement, they also have the option of changing their insurer.
Carte grise There may be multiple co-holders on a Carte grise Only the names of the first 2 will appear on the
The process is done online using online service:
Carte grise Request an inherited vehicle
This approach requires identification via France Connect.
New vehicle owners must carry a digital copy (photo or scan) of the following documents:
- Form cerfa no. 13750
- Proof of domicile less than 6 months
- Valid ID ID
- Carte grise original
- Document proving heir status:
- Certificate of the notary in charge of the liquidation of the estate certifying that Mr. Mrs. ..., born on ... at ..., died on ... at ... and that there is a vehicle in the estate. The certificate shall state the make, registration number and, if possible, type and number in the type series
- Or notoriety certificate drawn up by a notary
- Or death certificate accompanied by a certificate, signed by the heir certifying that there is no will, nor other heirs of the deceased, and that there is no trial or ongoing challenge concerning the status of heir or the composition of the estate
The format of the scanned documents can be one of the following: JPG, PNG, BMP, TIFF, PDF.
Please note
If another person makes this request on behalf of the heirs, they must attach the following documents:
New vehicle holders must certify on the honor that they have a certificate of insurance of the vehicle and a driving license corresponding to the category of vehicle registered.
They do not have to attach a digital copy (photo or scan) of the driver's license. However, they may be asked to provide a copy when their case is being examined.
FYI
Proof of a valid roadworthiness test shall be required if the vehicle so requires. Carte grise It may be provided by the roadworthiness sticker affixed to the
The Rules of Procedure of carte grise amount of must be made by credit card.
At the end of the procedure, the vehicle owners obtain the following 3 elements:
- File Number
- Accused of registering his application
- Provisional Certificate of Registration (CPI), to be printed. The CPI allows for circulation for 1 month, only in France, carte grise while waiting to receive the
Carte grise The following is sent as secure fold, in general within 7 working days.
Carte grise However, the delay may be longer if the application is incomplete or needs to be analyzed by the instructor (the manufacturing of the GRT can only be launched after this step). The delay may also be longer depending on the number of applications being processed.
The progress of the dossier can be monitored on the website of theANTS: titleContent :
Carte grise Follow your request to
In the event of an absence during the passage of the postman, a notice of passage will be filed. The new incumbents have 15 days to retrieve the document at La Poste (or give a power of attorney to a third party to do it for him). After this period, the title is returned to the sender. The ANT will then have to be contacted for removal.
Warning
Carte grise The old one must be kept for 5 years. After this period, it must be destroyed.
The heirs want to sell or give away the vehicle
The steps will be different depending on whether the sale or donation occurs within 3 months of the death or after. The fact that the vehicle did not run has an impact.
The person has been dead for less than 3 months
The change in the holder of the registration certificate must be made and the motor insurance contract must be terminated.
Carte grise The vehicle does not have to be modified before selling or donating the vehicle.
Step 1: Collect several pieces of information from the future owner
The future owner of the vehicle shall provide the following information:
- Birthname
- First Name
- Sex
- Date of birth
- Country and city of birth
Step 2: Start the online process
1) The procedure is done using the online service accessible on the website of the National Agency for Secure Titles (NSA).
This approach requires identification via France Connect.
If not identified via France Connect carte grise : if the vehicle has type AB 123 CD registration, the 5-digit confidential code received with the vehicle shall be provided. In case of loss of the code, use the button "Request a new code". The code will be made available a few hours later in the ANTS personal area.
Warning
if a third party makes the request, they will have to log on to sound ANTS account, or create one in its name. He'll have to click on the "For someone else" button. Carte grise If the vehicle has type AB 123 CD registration, it will need to be aware of the 5-digit PIN received with the
2) The information obtained from the future owner must be filled in.
3) The following documents must be downloaded and printed:
- Form cerfa no. 15776, called certificate of assignment
- Certificate of administrative status
One assignment code is issued to secure and facilitate the administrative procedures of the future owner.
Step 3: Meeting and transaction with the future owner
The transfer certificate must be completed with the new owner, specifying the day and time of the sale. This declaration shall ensure that he is not liable for any infringement or accident he may commit.
The following documents must be provided to the new owner:
- Signed copy 2 of the form cerfa no. 15776 , in the name of the heir or heirs with their addresses
- Certificate of Administrative Status (less than 15 days old)
- Carte grise vehicle, strikethrough with Sold on (day/month/year) or Transferred on (day/month/year)and signed by the heirs
- Document related to the estate:
- Certificate from notary certifying that Mr. (or Mrs.), born on [...] at [...], died on [...] at [...] and that in the estate there is a vehicle. The certificate shall state the make and registration number and, if possible, the type and number in the series of the type.
- Oract of notoriety established by a notary
- Or death certificate + a certificate signed by all heirs certifying that there is no will, nor other heirs, that there is no marriage contract, that there is no trial, nor is there any ongoing challenge regarding the status of heir or the composition of the estate
- Proof of roadworthiness, if the vehicle is more than 4 years old and is not exempt from roadworthiness tests. It must be less than 6 months old or less than 2 months old if counter-visit has been prescribed.
- Assignment Code
FYI
carte grise if the vehicle has been lost, it must first be redone, as the vehicle was stored, before being sold.
Step 4: Resuming and completing the online process
Within 15 days of handing over the documents to the new owner, the transaction must be completed by returning to the online service used during step 2. You must click on "My current steps".
The following information should be added:
- Date and time of assignment
- Vehicle mileage
- Full address of the new owner
There is no document to attach.
A summary of the application can be downloaded and printed.
The insurer must be notified that the sale or donation of the vehicle has taken place in order for the contract to be terminated.
The insurance contract shall be suspended carte grise from the day after the transmission date mentioned on the
The suspension of the contract shall end with the termination of the contract. It is possible to request the termination of the contract with a notice of 10 calendar days.
Please note
Upon expiry of a period of 6 months from the date of sale or donation, the termination is automatically effected.
To terminate the insurance contract, you have the option of making your claim by one of the following means:
- Letter or other durable medium (by registered letter or electronic registered mail)
- Statement made at the insurer's head office or representative (e.g. broker)
- Extrajudicial act by requesting a Commissioner of Justice
- By the same means of remote communication (telephone, mail, platform...) offered by the insurer for the conclusion of the contract
The termination letter must contain the following information:
- Reference of your insurance contract
- Model of vehicle
- Registration number
- Date of sale or gift (attach certificate of transfer)
A sample letter is available:
Terminate insurance following the sale of his vehicle
Only premiums for the period following the effective date of the termination will be refunded.
The vehicle has not been in circulation since the death
The change in the holder of the registration certificate must be made and the motor insurance contract must be terminated.
Carte grise The vehicle does not have to be modified before selling or donating the vehicle.
Step 1: Collect several pieces of information from the future owner
The future owner of the vehicle shall provide the following information:
- Birthname
- First Name
- Sex
- Date of birth
- Country and city of birth
Step 2: Start the online process
1) The procedure is done using the online service accessible on the website of the National Agency for Secure Titles (NSA).
This approach requires identification via France Connect.
If not identified via France Connect carte grise : if the vehicle has type AB 123 CD registration, the 5-digit confidential code received with the vehicle shall be provided. In case of loss of the code, use the button "Request a new code". The code will be made available a few hours later in the ANTS personal area.
Warning
if a third party makes the request, they will have to log on to sound ANTS account, or create one in its name. He'll have to click on the "For someone else" button. Carte grise If the vehicle has type AB 123 CD registration, it will need to be aware of the 5-digit PIN received with the
2) The information obtained from the future owner must be filled in.
3) The following documents must be downloaded and printed:
- Form cerfa no. 15776, called certificate of assignment
- Certificate of administrative status
One assignment code is issued to secure and facilitate the administrative procedures of the future owner.
Step 3: Meeting and transaction with the future owner
The transfer certificate must be completed with the new owner, specifying the day and time of the sale. This declaration shall ensure that he is not liable for any infringement or accident he may commit.
The following documents must be provided to the new owner:
- Signed copy 2 of the form cerfa no. 15776 , in the name of the heir or heirs with their addresses
- Certificate of Administrative Status (less than 15 days old)
- Carte grise of the vehicle, marked Sold on (day/month/year) or Surrendered on (day/month/year), and signed by the heirs
- Document related to the estate:
- Certificate from notary certifying that Mr. (or Mrs.), born on [...] at [...], died on [...] at [...] and that in the estate there is a vehicle. The certificate shall state the make and registration number and, if possible, the type and number in the series of the type.
- Oract of notoriety established by a notary
- Or death certificate + a certificate signed by all heirs certifying that there is no will, nor other heirs, that there is no marriage contract, that there is no trial, nor is there any ongoing challenge regarding the status of heir or the composition of the estate
- Proof of roadworthiness, if the vehicle is more than 4 years old and is not exempt from roadworthiness tests. It must be less than 6 months old or less than 2 months old if counter-visit has been prescribed.
- Assignment Code
FYI
carte grise if the vehicle has been lost, it must first be redone, as the vehicle was stored, before being sold.
Step 4: Resuming and completing the online process
Within 15 days of handing over the documents to the new owner, the transaction must be completed by returning to the online service used during step 2. You must click on "My current steps".
The following information should be added:
- Date and time of assignment
- Vehicle mileage
- Full address of the new owner
There is no document to attach.
A summary of the application can be downloaded and printed.
The insurer must be notified that the sale or donation of the vehicle has taken place in order for the contract to be terminated.
The insurance contract shall be suspended carte grise from the day after the transmission date mentioned on the
The suspension of the contract shall end with the termination of the contract. It is possible to request the termination of the contract with a notice of 10 calendar days.
Please note
Upon expiry of a period of 6 months from the date of sale or donation, the termination is automatically effected.
To terminate the insurance contract, you have the option of making your claim by one of the following means:
- Letter or other durable medium (by registered letter or electronic registered mail)
- Statement made at the insurer's head office or representative (e.g. broker)
- Extrajudicial act by requesting a Commissioner of Justice
- By the same means of remote communication (telephone, mail, platform...) offered by the insurer for the conclusion of the contract
The termination letter must contain the following information:
- Reference of your insurance contract
- Model of vehicle
- Registration number
- Date of sale or gift (attach certificate of transfer)
A sample letter is available:
Terminate insurance following the sale of his vehicle
Only premiums for the period following the effective date of the termination will be refunded.
The vehicle has been in circulation and the transfer takes place more than 3 months after the death
The change in the holder of the registration certificate must be made and the motor insurance contract must be terminated.
If the sale takes place more than 3 months after the death and the vehicle has been in public use since the death, the following shall be required:
- first, apply for registration in the name of one or more heirs
- then, once the certificate of registration has been amended, proceed to the following steps.
Step 1: Collect several pieces of information from the future owner
The future owner of the vehicle shall provide the following information:
- Birthname
- First Name
- Sex
- Date of birth
- Country and city of birth
Step 2: Start the online process
1) The procedure is done using the online service accessible on the website of the National Agency for Secure Titles (NSA).
This approach requires identification via France Connect.
If not identified via France Connect carte grise : if the vehicle has type AB 123 CD registration, the 5-digit confidential code received with the vehicle shall be provided. In case of loss of the code, use the button "Request a new code". The code will be made available a few hours later in the ANTS personal area.
Warning
if a third party makes the request, they will have to log on to sound ANTS account, or create one in its name. He'll have to click on the "For someone else" button. Carte grise If the vehicle has type AB 123 CD registration, it will need to be aware of the 5-digit PIN received with the
2) The information obtained from the future owner must be filled in.
3) The following documents must be downloaded and printed:
- Form cerfa no. 15776, called certificate of assignment
- Certificate of administrative status
One assignment code is issued to secure and facilitate the administrative procedures of the future owner.
Step 3: Meeting and transaction with the future owner
The transfer certificate must be completed with the new owner, specifying the day and time of the sale.This declaration allows you to be relieved of any liability in case of an infringement or an accident that he would commit.
The following documents must be provided to the new owner:
- Signed copy 2 of the form cerfa no. 15776 , in the name of the heir or heirs with their addresses
- Certificate of Administrative Status (less than 15 days old)
- Carte grise of the vehicle, marked Sold on (day/month/year) or Surrendered on (day/month/year), and signed by the heirs
- Document related to the estate:
- Certificate from the notary certifying that Mr. (or Mrs.), born on [...] at [...], died on [...] at [...] and that in the estate there is a vehicle. The certificate must state the make and registration number and, if possible, the type and number in the type series
- Oract of notoriety established by a notary
- Or death certificate + a certificate signed by all heirs certifying that there is no will, nor other heirs, that there is no marriage contract, that there is no trial, nor is there any ongoing challenge regarding the status of heir or the composition of the estate
- Proof of roadworthiness, if the vehicle is more than 4 years old and is not exempt from roadworthiness tests. It must be less than 6 months old or less than 2 months old if counter-visit has been prescribed.
- Assignment Code
FYI
carte grise if the vehicle has been lost, it must first be redone, as the vehicle was stored, before being sold.
Step 4: Resuming and completing the online process
Within 15 days of handing over the documents to the new owner, the transaction must be completed by returning to the online service used during step 2. You must click on "My current steps".
The following information should be added:
- Date and time of assignment
- Vehicle mileage
- Full address of the new owner
There is no document to attach.
A summary of the application can be downloaded and printed.
The insurer must be notified that the sale or donation of the vehicle has taken place in order for the contract to be terminated.
The insurance contract shall be suspended carte grise from the day after the transmission date mentioned on the
The suspension of the contract shall end with the termination of the contract. It is possible to request the termination of the contract with a notice of 10 calendar days.
Please note
Upon expiry of a period of 6 months from the date of sale or donation, the termination is automatically effected.
To terminate the insurance contract, you have the option of making your claim by one of the following means:
- Letter or other durable medium (by registered letter or electronic registered mail)
- Statement made at the insurer's head office or representative (e.g. broker)
- Extrajudicial act by requesting a Commissioner of Justice
- By the same means of remote communication (telephone, mail, platform...) offered by the insurer for the conclusion of the contract
The termination letter must contain the following information:
- Reference of your insurance contract
- Model of vehicle
- Registration number
- Date of sale or gift (attach certificate of transfer)
A sample letter is available:
Terminate insurance following the sale of his vehicle
Only premiums for the period following the effective date of the termination will be refunded.
The heirs want to scrap the vehicle
It is possible to scrap the vehicle if all the heirs agree. Once destroyed, you have to ask for the cancelation of the car insurance contract.
Surrender the vehicle to an approved End of Life Vehicle (ELV) center
FYI
Carte grise The method does not have to be modified if the vehicle is destroyed.
You have to obligatory hand over the vehicle to an approved End of Life Vehicle (ELV) center.
Who shall I contact
The following items must be returned to the approved demolition service:
- Signed copy 2 of the form cerfa no. 15776, in the name of the heir or heirs, indicating their addresses
- Certificate of administrative status less than 15 days
- Carte grise Original of the given, complete (including the detachable coupon if it exists), crossed out with the mention given for destruction on [day/month/year] and signed by the heirs
- Document related to the estate:
- Certificate from the notary certifying that Mr. (or Mrs.), born on [...] at [...], died on [...] at [...] and that in the estate there is a vehicle. The certificate must state the make and registration number and, if possible, the type and number in the type series
- Or notoriety certificate drawn up by a notary
- Or death certificate + certificate signed by all the heirs certifying that there is no will, nor other heirs, that there is no marriage contract, that there is no trial, nor dispute pending concerning the status of heir or the composition of the estate
Warning
carte grise if the declaration of loss or theft carte grise of must be delivered.
The VHU center gives the heirs a certificate of destruction.
The declaration of disposal for destruction can be registered by the VHU center. In this case, a certificate of registration of the assignment must be requested.
The declaration may also be made directly via an online service:
Declare delivery of a vehicle to an End of Life Vehicle Center (ELV)
This approach requires identification via France Connect.
The person making the request must have a digital copy (photo or scan) of copy No. 1 of the completed Cerfa Form No. 15776, on which are indicated the contact details of the VHU center and, if possible, his approval number.
Terminate the motor insurance contract
The insurer must be informed of the destruction of the vehicle.
This information is used to terminate the contract.
To terminate the insurance contract, you have the option of making your claim by one of the following means:
- Letter or other durable medium (by registered letter or electronic registered mail)
- Statement made at the insurer's head office or representative (e.g. broker)
- Extrajudicial act by requesting a Commissioner of Justice
- By the same means of remote communication (telephone, mail, platform...) offered by the insurer for the conclusion of the contract
The termination letter must contain the following information:
- Reference of your insurance contract
- Model of vehicle
- Registration number
You must attach the certificate of destruction of the vehicle to this mail.
Only premiums for the period following the effective date of the termination will be refunded.
The deceased was a lessee of the vehicle with an option to purchase (leasing) - LOA
The deceased had entered into a contract known as " rent-to-own ” to enable him to finance the purchase of his private vehicle. Until the total payment of the property, he was a lessee of the vehicle.
As long as the vehicle has not been fully paid for, it remains the property of the lessor, namely the institution which lent it the funds to enable it to acquire the property.
The certificate of registration shall also be in the name of the lessor.
First, you need to review the contract signed by the deceased person to gather the following information:
- Name and contact details of the lessor
- Name and contact details of the insurer(s) (third party liability insurance contract and death insurance contract may have been taken out with two different insurers)
- The amount of the funding balance owing
- Payment (or non-payment) of a security deposit by the deceased person. This deposit must, in principle, be returned by the lessor (unless the vehicle is returned in poor condition)
- Whether or not the deceased person has taken out death insurance. Since this insurance is optional, it is important to check whether the deceased subscribed to it because the consequences will be different for the heir(s) with regard to the issue of the payment of rent to be paid
You must then, within 15 days of the death, inform the lessor and the insurer of the death of the deceased by registered letter with acknowledgement of receipt, enclosing a copy of the death certificate.
Attention: if you wish use the vehicle, you must check in the contract whether the steering wheel loan is authorized with or without frankness.
The deceased has taken out death insurance
If the deceased person has taken out death insurance, the insurer shall pay the rent still due to the lender until the end of the financing contract, within the limit of the guarantee.
Warning
Some life insurance contracts guarantee, under certain conditions, the amount of capital remaining due in case of death due to illness or accident.
Similarly, the death insurance contract may provide that it shall end on the day of the tenant’s 85 years of age.
The heir or heirs may decide:
- purchase the vehicle by paying the purchase option amount provided for in the contract
- or return the vehicle.
If one of the heirs wishes to acquire the vehicle, he must change his registration certificate (carte grise) and take out civil liability insurance in his name.
The deceased person did not purchase death insurance
If the deceased person has not taken out death insurance, the heir or heirs must pay the lender the balance of the financing. This balance therefore constitutes a debt to be entered in the estate liability.
The heir or heirs may decide:
- Purchase the vehicle by paying the amount of the purchase option provided for in the contract
- Or return the vehicle.
FYI
In the event of non-payment of rents, the lessor may terminate the contract, demand the return of the vehicle and the payment of unpaid rents as well as a termination indemnity.
Carte grise If one of the heirs wishes to acquire the vehicle, he or she must change his or her registration certificate (Certificate of Registration) and take out civil liability insurance in his or her name.
It is a vehicle used by the deceased
You must contact the deceased's employer and agree with them on the terms and conditions for the vehicle to be returned as soon as possible.
Warning
You must check with the employer that the insurance contract for this vehicle will cover you in case of an accident, in case the employer asks you to bring it back.
Carte grise The management of the insurance contract, such as the
The heirs have a period of 6 months (12 months if the death occurred outside Canada) for:
- Drop the declaration of succession
- And pay duties correspondents
Heirs must obligatory call in a notary if:
- The estate includes real estate. In this case, a decision will have to be made proof of ownership of immovable property
- The amount of the estate is equal to or greater than €5,000. One act of notoriety shall be established
- There is a will or a gift between spouses
In other cases, the use of a notary is recommended.
To open the estate file, the notary may, depending on the situation of the deceased, request the following documents and information.
Please note
This list contains the essential elements, for information purposes.
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Family-related documents
- Death certificate
- Family record of the deceased person
- Copy of the deceased's marriage contract or Civil partnerships or divorce judgment
- Family records of heirs, their addresses and professions
Documents relating to documents signed before death
- Copy of the donation between spouses
- Will
- Copy of previous donations made by the deceased person (date, amount, beneficiaries and statement to the public treasury)
- Copy of previous gifts made by the deceased (date, amount, beneficiaries and return to the Consolidated Revenue Fund)
Please note
It is not necessary to provide a copy of the documents (donation, will, etc.) that have been signed with the notary in charge of the estate. The originals are kept in its archives.
Documents relating to the immovable and movable assets of the deceased person
- Title to real estate (houses, apartments, commercial premises, land, etc.) held in France or abroad. These assets may, for example, be held in division or usufruct
- Certificate of registration of vehicles of the deceased person (land motor vehicles, boat, etc.)
- List of each spouse's own property (e.g. house, jewelry, etc.)
- Reports of expertise in movable property (e.g. works of art) or immovable property
- Copies of insurance contracts for works of art, collections or jewelry, etc.
- Copy of the articles of association of the businesses in which shares are held
- Claims on the deceased person
- Life insurance (or capitalization) contract
- Certificate of value of cryptocurrencies
Bank documents
- Bank account numbers and address of French or foreign banks of the deceased person
- Bank account numbers and address of French or foreign banks of the spouses if the spouses are married under a community scheme
- RIB of the spouse of the deceased and of all heirs
Documents relating to the debts of the estate
- Copy of outstanding loans (not yet repaid) by the deceased (with amortization table)
- Last Tax Notice
- Latest real estate wealth tax return
- Latest Property Tax Notices
- Latest residential tax notices in respect of the deceased’s second homes
- Last unpaid bills (outstanding contracts: gas, electricity, condominium trustee, internet, etc.)
- Copy of funeral bill
- Etc.
- Know what social benefits you may be entitled to
Simulator
- Inform the bank of a relative of his death
Document template
- Know if you have life insurance
Document template
- Terminate its communications contract (internet, telephony, television) for a legitimate reason
Document template
- Funeral benefits - Funeral servicesMinistry of Economy
- Quotation template to be submitted by a funeral home companyLegifrance
- Information for families on conservation care (PDF - 276.3 KB)Ministry of Health
- Declare an estateMinistry of Finance
- My rights in the event of the death of a retired relativeNational old-age insurance fund
- How do I know if a funeral insurance contract has been taken out?National Institute of Consumer Affairs (INC)
- National Directory of Identification of Natural Persons (RNIPP)National Commission for Informatics and Freedoms (Cnil)
- What steps should I take in the event of the death of a loved one?Ministry of Economy
- Digital death: Can a deceased person’s information be deleted?National Commission for Informatics and Freedoms (Cnil)
- Reimbursement of health costs still due to the deceasedNational Health Insurance Fund (Cnam)
- Family Support Allowance (FSA)National Fund for Family Allowances (Cnaf)