# Plan Before You Die

> Plan Before You Die is an online service that helps people in the United States put their accounts, papers and wishes in one place, practice with the people they choose, and keep everything current. Its free guides and tools are checked against official sources.

Every guide answers first, lists its steps, and shows the official source and the date we checked each fact. This is general information, not legal advice. We never recommend a Medicare plan, insurance, or investment.

## Key facts

- The plan doesn't include legal documents or advice, product recommendations, calls or meetings, or a mailed kit. Help is by email.
- If your first report finds nothing to fix, you get a full refund, under the conditions in the terms (https://planbeforeyoudie.app/terms#refunds).
- If you don't renew, you keep your plan. You can still view, edit and download it, and the people you chose keep their guides. New Family Drills stop until you renew.
- There is one plan. It costs $499 for one person or $699 for a couple, with setup, the Family Drill, your score and your first year included. Then it's $199 a year if you renew, and you can turn renewal off anytime.
- You can start free and build your plan before choosing to pay.
- The plan follows the Family Readiness Standard, 25 checks your family should be able to pass if you get sick or die.
- The Family Drill is a practice run where each person you choose tries their first steps. Each check is marked Tested, Set up, Told us or Missing, and the plan shows a readiness score.
- Plan Before You Die is not a law firm. It doesn't draft or choose legal documents, and it never recommends a Medicare plan, insurance or investment.

## Tools

- [100 questions to ask your parents](https://planbeforeyoudie.app/tools/questions-for-parents): Choose from 100 questions to ask your parents before they die. Download a free printable PDF or save asked marks for your next visit.
- [Account notification letters](https://planbeforeyoudie.app/tools/account-closure-letters): Prepare a separate death notification for each company. Follow quoted official routes, copy or print your drafts and use a blank tracker. Nothing is sent.
- [Calculate inherited IRA withdrawals](https://planbeforeyoudie.app/tools/inherited-ira-calculator): Review the inherited IRA rule, this year's divisor and annual calculation, and the year-by-year schedule. Save a calendar, CSV or printed record.
- [Care runway calculator](https://planbeforeyoudie.app/tools/care-runway-calculator): Calculate how long savings and monthly income cover your own care-cost figures. Choose a yearly increase and read the exact assumptions and yearly table.
- [Check estate and inheritance taxes](https://planbeforeyoudie.app/tools/estate-tax-checker): Review federal and state estate tax rules, inheritance classes and filing conditions. No tax amount is calculated.
- [Check what sits beside your will](https://planbeforeyoudie.app/tools/is-a-will-enough): See what a will doesn't cover, such as who speaks for you if you can't decide, Medicare and Social Security permissions, and your phone and email.
- [Deadlines after a death](https://planbeforeyoudie.app/tools/after-death-deadlines): Enter a date of death to review federal tax and benefit checkpoints. Save the dated timeline to your calendar, CSV, or print.
- [Digital access planner](https://planbeforeyoudie.app/tools/digital-access-planner): Compare official company settings, family access limits, after-death routes and requested documents. Review your phone plan and save a private reference.
- [Executor fee calculator](https://planbeforeyoudie.app/tools/executor-fee-calculator): Calculate verified statutory executor compensation formulas. Read each state's bases, caps, minimums and court conditions before entering amounts.
- [Family Gap Check](https://planbeforeyoudie.app/gap-check): Invite your family to answer eight questions separately, then compare their reported answers through your private owner link.
- [Find a gift for your parent](https://planbeforeyoudie.app/tools/gift-finder): Choose a budget and an interest. Get two gift ideas, plus a suggestion to ask which family questions your parent wants to discuss.
- [Find unclaimed money](https://planbeforeyoudie.app/money-finder): Search for unclaimed money in your name or a relative's. Free official searches for all 50 states and DC, heir rules and federal programs.
- [Free readiness check](https://planbeforeyoudie.app/tomorrow-test): Eight quick questions show what your family would have if something happened to you, and what to do first.
- [Funeral price list checker](https://planbeforeyoudie.app/tools/funeral-price-list-checker): Match funeral price-list items to the FTC Funeral Rule. Read conditional rights, required price lists and questions to ask about each charge.
- [How many death certificates?](https://planbeforeyoudie.app/tools/how-many-death-certificates): Count confirmed copy requests and review official fees before ordering.
- [Inherited home sale estimate](https://planbeforeyoudie.app/tools/inherited-home-sale-estimate): Estimate inherited-home basis and sale gain from confirmed ownership, valuation, selling costs and improvements. Read the IRS rules and limits.
- [Plan your paperwork after a diagnosis](https://planbeforeyoudie.app/tools/diagnosis-first-steps): Choose the situation that brought you here. Get a short paperwork list to discuss with your family. This page gives no medical advice.
- [Recheck your plan after a life event](https://planbeforeyoudie.app/tools/life-event-recheck): See which Standard checks to review after marriage, a move, a new child or another life event. Follow related guides and choose a yearly reminder.
- [Remember a birthday with a plan check](https://planbeforeyoudie.app/tools/birthday-reminder): Choose the exact birthday date and what to review in your plan. Save an email reminder with a private delete link.
- [Share monthly care costs](https://planbeforeyoudie.app/tools/sharing-care-costs): Compare equal shares, income shares or agreed percentages for care costs. Separate cash for bills from your chosen value for time and things.
- [Small estate checker](https://planbeforeyoudie.app/tools/small-estate-checker): Compare a state's small estate rules with your property list and review the official court instructions.
- [Social Security after a death](https://planbeforeyoudie.app/tools/social-security-after-a-death): Review death reporting, survivor benefit rules and a conditional payment estimate.
- [Who can act for you](https://planbeforeyoudie.app/tools/who-can-act): Select your accounts and assets to compare who may act for you during incapacity and after death, and which authority needs confirmation.
- [Who inherits without a will?](https://planbeforeyoudie.app/tools/who-inherits-without-a-will): Read quoted state intestacy statutes for spouses, children, parents and siblings. Choose a state and family outline, then read every condition.
- [Who pays debts after a death?](https://planbeforeyoudie.app/tools/debts-after-a-death): Read CFPB and FTC rules for debts after a death. Compare estate payment, personal responsibility, collector contact and inherited-home protections.
- [Write two letters for your family](https://planbeforeyoudie.app/tools/letter-starter): Write two personal letters for your family with six prompts each. One is for if you cannot decide, one for after you are gone. Free. Not a will.

## Reference tables

- [25 checks for your family](https://planbeforeyoudie.app/standard): 25 checks your family should be able to pass if you get sick or die. Free to use and share.
- [Advance directive forms by state](https://planbeforeyoudie.app/guides/advance-directive-forms-by-state): Find official health care document sources, signing excerpts, medical order programs and statutory financial power of attorney forms by state.
- [Death certificates by state](https://planbeforeyoudie.app/guides/death-certificates-by-state): Find the official order page, copy fees, eligibility wording and processing time for every state, DC and New York City.
- [Estate and inheritance tax by state](https://planbeforeyoudie.app/guides/estate-and-inheritance-tax-by-state): Compare estate and inheritance tax rules for every state, Washington, DC and the federal estate tax, with official sources.
- [Paid family caregiver programs by state](https://planbeforeyoudie.app/guides/paid-family-caregiver-programs-by-state): Find official state care programs, family payment conditions and application routes. Read two federal VA routes and ask the office about your situation.
- [Password manager emergency access](https://planbeforeyoudie.app/tools/password-manager-emergency-access): Compare documented emergency access features, plans, waiting periods and contact limits. Choose your manager and open its official instructions.
- [Small estate limits by state](https://planbeforeyoudie.app/guides/small-estate-limits-by-state): Compare official small estate procedures, dollar limits, property measures, waiting periods and form links for every state and DC.
- [Who can act with each agency](https://planbeforeyoudie.app/guides/who-can-act-with-each-agency): Compare agency permissions, official forms and limits before and after death.

## Guides

- [Plan Before You Die vs. Everplans](https://planbeforeyoudie.app/compare/everplans): Everplans stores and shares your documents. Plan Before You Die helps you set things up and practice with your family. Compare prices and fit.
- [Plan Before You Die vs. GoodTrust](https://planbeforeyoudie.app/compare/goodtrust): GoodTrust makes wills and trusts with a digital vault for $149. Plan Before You Die gets your family ready to use your plan. Compare fit.
- [Plan Before You Die vs. Trust & Will](https://planbeforeyoudie.app/compare/trust-and-will): Trust & Will makes wills and trusts. Plan Before You Die gets your family ready to use your plan. See prices and when each one fits.
- [Plan Before You Die vs. Trustworthy](https://planbeforeyoudie.app/compare/trustworthy): Trustworthy organizes household information on plans paid yearly. Plan Before You Die gets your family ready to step in. Compare prices and fit.
- [Choose a thoughtful Father's Day gift](https://planbeforeyoudie.app/gifts/fathers-day-dad-who-has-everything): Choose a Father's Day gift around what your dad enjoys. Let him choose the task and keep control.
- [Choose a thoughtful Mother's Day gift](https://planbeforeyoudie.app/gifts/mothers-day-mom-who-has-everything): Choose a Mother's Day gift around what your mom values. Ask first before offering help with her personal papers.
- [Christmas gifts for elderly parents](https://planbeforeyoudie.app/gifts/christmas-elderly-parents): Christmas gift ideas for elderly parents. Make something personal, plan a visit, or give them a plan for their papers that they own.
- [Gifts for aging parents](https://planbeforeyoudie.app/gifts/aging-parents): Gift ideas for aging parents. Choose time together, a keepsake, or a Plan Before You Die plan they own. Start with what they want.
- [Gifts for parents who have everything](https://planbeforeyoudie.app/gifts/parents-who-have-everything): Give your parent a shared afternoon or something only your family can make. These ideas add memories without another thing to store.
- [What are survivor benefits?](https://planbeforeyoudie.app/glossary/survivor-benefits): Social Security survivor benefits are monthly payments to eligible family of a worker who died. Who may qualify, how to apply and what to report.
- [What does payable on death mean?](https://planbeforeyoudie.app/glossary/payable-on-death): Payable on death (POD) names who gets a bank account when the owner dies. How it differs from a joint account and how FDIC insurance covers it.
- [What does transfer on death mean?](https://planbeforeyoudie.app/glossary/transfer-on-death): Transfer on death (TOD) names who gets securities, and in some states a house or car, when the owner dies. How it works and how it differs from POD.
- [What is POLST?](https://planbeforeyoudie.app/glossary/polst): POLST is a medical order about life-sustaining treatment that clinicians can act on in an emergency. How it differs from an advance directive and a DNR.
- [What is a HIPAA authorization?](https://planbeforeyoudie.app/glossary/hipaa-authorization): A HIPAA authorization lets a provider or plan share your health information. What the form must include, how to cancel it and what family can see.
- [What is a Legacy Contact?](https://planbeforeyoudie.app/glossary/legacy-contact): A legacy contact is the person you choose to request your account data after you die. How Apple, Google and Facebook handle it, and the Apple access key.
- [What is a beneficiary?](https://planbeforeyoudie.app/glossary/beneficiary): A beneficiary receives an account, policy or plan when the owner dies. How designations relate to a will, contingent beneficiaries and updates.
- [What is a death certificate?](https://planbeforeyoudie.app/glossary/death-certificate): A death certificate is the permanent legal record of a death. Where to order certified copies, who can get them and when a photocopy is enough.
- [What is a durable power of attorney?](https://planbeforeyoudie.app/glossary/durable-power-of-attorney): A durable power of attorney stays in effect if you become incapacitated. When it starts, what can end it and why it stops when you die.
- [What is a health care proxy?](https://planbeforeyoudie.app/glossary/health-care-proxy): A health care proxy is the person you name to make medical decisions if you cannot. Who can serve, what a proxy can and cannot do, and how to name one.
- [What is a joint account?](https://planbeforeyoudie.app/glossary/joint-account): A joint account is a bank account with two or more owners. What happens when one owner dies, how FDIC insurance covers it and other ways to get help.
- [What is a living will?](https://planbeforeyoudie.app/glossary/living-will): A living will records the medical treatment you want if you can't decide for yourself. How it differs from a health care proxy and who should get a copy.
- [What is a personal representative?](https://planbeforeyoudie.app/glossary/personal-representative): A personal representative is the executor, administrator or other person in charge of an estate. What the IRS means by it and who a court picks.
- [What is a power of attorney?](https://planbeforeyoudie.app/glossary/power-of-attorney): A power of attorney lets someone you choose act for you. Who the agent is, the main types, what an agent can and cannot do and how banks treat it.
- [What is a representative payee?](https://planbeforeyoudie.app/glossary/representative-payee): A representative payee manages Social Security or SSI benefits for someone who cannot. What a payee must do, cannot do and what happens at death.
- [What is a savings bond?](https://planbeforeyoudie.app/glossary/savings-bond): A U.S. savings bond is a loan to the government. How paper and electronic bonds differ, how to replace a lost bond and who gets it when the owner dies.
- [What is a trust?](https://planbeforeyoudie.app/glossary/trust): A trust is an arrangement where a trustee holds property for beneficiaries. The roles in a living trust, how it can avoid probate and what it covers.
- [What is an advance directive?](https://planbeforeyoudie.app/glossary/advance-directive): An advance directive is a legal document with your medical care instructions. What it can and cannot do, where to get your state's form and how to keep it.
- [What is an emergency contact?](https://planbeforeyoudie.app/glossary/emergency-contact): An emergency contact is the person others call if something happens to you. How iPhone and Android show it, and what a contact can't decide.
- [What is an estate?](https://planbeforeyoudie.app/glossary/estate): An estate is the property a person owned when they died. How it pays debts, when it files its own tax return and when it ends.
- [What is an executor?](https://planbeforeyoudie.app/glossary/executor): An executor is the person named in a will to handle an estate. How it differs from an administrator, what the job involves and how fees are taxed.
- [What is conservatorship?](https://planbeforeyoudie.app/glossary/conservatorship): A conservatorship is a court appointment to act for someone who needs help. What a conservator reports to the court and how California handles it.
- [What is guardianship?](https://planbeforeyoudie.app/glossary/guardianship): Guardianship is a role a court gives someone to make decisions for another person. How it differs from a power of attorney and when it ends.
- [What is probate?](https://planbeforeyoudie.app/glossary/probate): Probate is the court process for paying a person's debts and passing on their property. When it opens, who runs it and when court may not be needed.
- [Add an Apple Legacy Contact](https://planbeforeyoudie.app/guides/phones/apple-legacy-contact): Choose someone now who can request certain Apple Account data after your death. Add them in your Apple Account settings, then share the access key.
- [Check what your cloud backup covers](https://planbeforeyoudie.app/guides/phones/cloud-backups): A cloud backup and family access do different jobs. Check what your phone backs up and when, then set up each account's official family route.
- [Choose who can represent you before the IRS](https://planbeforeyoudie.app/guides/benefits/irs-form-2848): Understand IRS Form 2848, representative eligibility and submission options. Discuss the permission you want with a tax professional before signing.
- [Choose who can see your tax information](https://planbeforeyoudie.app/guides/benefits/irs-form-8821): Understand what Form 8821 permits and what it leaves out. Use current IRS instructions to prepare your tax-information authorization.
- [Choose who could manage your benefits](https://planbeforeyoudie.app/guides/benefits/social-security-advance-designation): Choose whom Social Security should consider if you need help managing benefits. Advance designation records your choices without appointing a payee.
- [Close a Yahoo or AOL account after death](https://planbeforeyoudie.app/guides/phones/yahoo-and-aol-accounts): Yahoo and AOL each have an official request process after a death, and neither gives out passwords. What your family can ask for and what to save now.
- [Facebook legacy contacts and memorialized profiles](https://planbeforeyoudie.app/guides/phones/facebook-legacy-contact): A Facebook legacy contact looks after a memorialized profile. They can write a pinned post, but they can't log in as you or read your messages.
- [Get ready for a hospital stay](https://planbeforeyoudie.app/hospital-week): Six steps to have ready before a hospital stay, from your health care proxy to the form that lets Medicare talk with your family.
- [How do I share Google Photos with family?](https://planbeforeyoudie.app/guides/phones/google-photos-for-family): Use Google Photos partner sharing to share your backed-up photos with one family member. Then set up Inactive Account Manager for your account.
- [Keep a phone line active](https://planbeforeyoudie.app/guides/phones/keep-a-phone-line-active): Keep a phone line working during illness or after a death. Check who can manage the carrier account, how it is paid, and how to transfer the number.
- [Keep chosen voicemails and texts](https://planbeforeyoudie.app/guides/phones/voicemail-and-texts): Save the voicemails and texts your family wants to keep before any carrier change. T-Mobile warns that transfers and cancellations delete voicemail.
- [Keep your phone passcode private](https://planbeforeyoudie.app/guides/phones/keep-your-passcode-safe): Keep your phone passcode private and give your family access through official account settings instead. When Face ID still needs the passcode.
- [Let Medicare talk with your family](https://planbeforeyoudie.app/medicare-form): How to send Medicare form CMS-10106 so 1-800-MEDICARE can talk with the people you choose.
- [Make your digital legacy plan](https://planbeforeyoudie.app/guides/phones/digital-legacy): Plan what happens to your phone, email, photos and online accounts. Use each company's official settings and keep passwords out of the plan.
- [Memorialize an Instagram profile after a death](https://planbeforeyoudie.app/guides/phones/instagram-memorialization): After a death, Instagram can turn a profile into a memorial nobody can sign in to. What a legacy contact can and can't do, and what to save now.
- [Plan beyond your phone's security codes](https://planbeforeyoudie.app/guides/phones/two-factor-codes-on-your-phone): Set up another way into your important accounts before your phone is lost. Apple trusted numbers, Google backup codes, and keeping codes private.
- [Prepare both phones in your family](https://planbeforeyoudie.app/guides/phones/two-phones-in-the-family): Review separate accounts, recovery choices and shared carrier service.
- [Prepare email beyond your phone](https://planbeforeyoudie.app/guides/phones/email-on-your-phone): Your mail app and your email account are separate. Save the records your family needs, review Gmail delegation, and note each provider's process.
- [Prepare your smart home for family](https://planbeforeyoudie.app/guides/phones/smart-home-devices): Give your family access to home devices they may need. Apple Home invitations and permissions, and how to record device owners without door codes.
- [Set up Google Inactive Account Manager](https://planbeforeyoudie.app/guides/phones/google-inactive-account-manager): Plan what happens to your Google Account after inactivity. Choose trusted contacts, selected data and a waiting period in Google's settings.
- [Share iCloud photos with your family](https://planbeforeyoudie.app/guides/phones/icloud-photos-for-family): Share chosen photos through an iCloud Shared Library, and what members can edit or delete. Set up Apple Legacy Contact separately.
- [Tell your family about your plan](https://planbeforeyoudie.app/talk): A short letter you can send your kids, easy ways to start the talk, and a note for bringing it up with your mom or dad.
- [What happens to AT&T lines after death?](https://planbeforeyoudie.app/guides/phones/att-after-a-death): When someone dies, AT&T can move billing to another person or end the line, even without the passcode. What to ask for and what a suspended line costs.
- [What happens to T-Mobile lines after death?](https://planbeforeyoudie.app/guides/phones/t-mobile-after-a-death): When someone dies, T-Mobile can close the account or move lines to your name. What it asks for, and why to save voicemails before a transfer.
- [What happens to a Microsoft account after death](https://planbeforeyoudie.app/guides/phones/microsoft-account-after-death): Microsoft won't share account information with family without a court order, and unused accounts close after 2 years. What to save for your family now.
- [What happens to a Verizon account after death?](https://planbeforeyoudie.app/guides/phones/verizon-after-a-death): When someone dies, an executor can call Verizon at 800-922-0204 to close a line or move the number. What to have ready and how to keep voicemails.
- [What happens to a phone number?](https://planbeforeyoudie.app/guides/phones/what-happens-to-a-phone-number): What happens to a phone number after a death or cancellation. Ask the carrier about a transfer first, and move account recovery off the number.
- [What happens to an Amazon account after death?](https://planbeforeyoudie.app/guides/phones/amazon-account-after-death): When someone dies, Amazon can end Prime and other subscriptions, stop deliveries or deactivate the account. What an estate manager can request.
- [What your family needs to know](https://planbeforeyoudie.app/guides/planning/what-your-family-needs-to-know): See what your family needs to know about your people, papers and accounts. Write down where to start without sharing passwords.
- [Gifts that give your family time](https://planbeforeyoudie.app/gifts): Gift ideas for a parent, from time together to their own Plan Before You Die plan. You pay, they own it, and it's refunded if they decline.
- [Check what you know about a parent's plans](https://planbeforeyoudie.app/tomorrow-test/for-a-parent): Answer eight questions about your mom or dad. Their choices stay theirs, and unknown answers show what to ask about.
- [Check your spouse's arrangements together](https://planbeforeyoudie.app/tomorrow-test/for-my-spouse): Answer eight questions with your spouse about their arrangements. They choose what to share and whom to involve.
- [Compare Plan Before You Die](https://planbeforeyoudie.app/compare): Fair comparisons with will makers and family organizers, using each company's own published prices, and when another option fits better.
- [Corrections to our guides](https://planbeforeyoudie.app/corrections): See published corrections to our guides and tell us when a source or instruction needs checking.
- [How we check our guides](https://planbeforeyoudie.app/editorial-policy): Learn how we check official sources, record supporting quotes and review our guides. Send a correction when something needs checking.
- [How we keep your plan safe](https://planbeforeyoudie.app/security): Sign-in links instead of passwords, encrypted document copies and strict limits on who sees what. We never ask for passwords, PINs or seed phrases.
- [How we make money](https://planbeforeyoudie.app/how-we-make-money): Paid plans fund Plan Before You Die. Use the free readiness check and free guides before choosing a plan.
- [Make a plan without relying on children](https://planbeforeyoudie.app/tomorrow-test/no-children): Answer eight questions about the people and arrangements you have chosen. Your plan can involve friends, relatives or professionals.
- [Our facts connector](https://planbeforeyoudie.app/facts-connector): A free, read-only connector that lets Claude and other assistants look up our checked facts, official forms and state rules, each with its source.
- [Phones, email and online accounts](https://planbeforeyoudie.app/guides/phones): Prepare your phone, email, photos and passwords so your family can step in. Use each company's official settings and never share a password.
- [Planning words in plain English](https://planbeforeyoudie.app/glossary): Look up the words used in wills, accounts and health care papers, in plain English. Each meaning links to a practical guide for your family.
- [Print something useful for your family](https://planbeforeyoudie.app/printables): Free printable cards and lists for your family, including a first-call card, a pet card, an account list and a starter binder. Print on Letter paper.
- [Tax, Medicare and Social Security permissions](https://planbeforeyoudie.app/guides/benefits): Understand the official permission routes for tax information, Medicare and Social Security. Record the choices you make while you can.
- [Tools and guides after a death](https://planbeforeyoudie.app/guides/after-a-death): Find official death-certificate routes, estate references and practical steps after someone dies.
- [Why we help families prepare](https://planbeforeyoudie.app/about): We help you put your accounts, papers and wishes in one place so your family knows where to start.
- [Help your family find your care wishes](https://planbeforeyoudie.app/guides/health/healthcare-decisions-day): Use April 16 as a prompt to check where your care wishes are written and whether the people you choose can find them.
- [List accounts while tax papers are out](https://planbeforeyoudie.app/guides/benefits/tax-season): While your tax papers are out, list institutions, account types and contacts. Keep account numbers and passwords out of your family account list.
- [Paperwork after a dementia diagnosis](https://planbeforeyoudie.app/guides/diagnosis/dementia): This guide covers paperwork only. Start with the people who may need to speak for you, where your papers are, and the permissions each office needs.
- [Plan your paperwork after a Parkinson's diagnosis](https://planbeforeyoudie.app/guides/diagnosis/parkinsons): This guide covers paperwork only. Review your phone, account arrangements and important papers now, on your own terms. Choose whom you want involved.
- [Your spouse died. What to update first](https://planbeforeyoudie.app/guides/after-a-death/spouse-died): Find Social Security guidance after a death, then review the people, papers and arrangements in your own plan.
- [Get ready for a family visit](https://planbeforeyoudie.app/printables/holiday-visit-checklist): Print one sheet before your family visits. Choose what you want to show them about your papers, people, accounts, and wishes.
- [Keep a first-call card](https://planbeforeyoudie.app/printables/first-72-hours-card): Free printable first-call card for your wallet and fridge. List whom to call and where to find papers, keys and pet care. Both sizes on one page.
- [Make a plan for your pets](https://planbeforeyoudie.app/printables/pet-card): Free printable pet care plan with a wallet card and a full page for the people to call, the vet, food and routines. Tell someone where it is kept.
- [Print a simple account list](https://planbeforeyoudie.app/printables/account-list): Free printable account list and CSV. List each bank, account type, how to reach them and where the paperwork is. No account numbers or passwords.
- [Print a starter family binder](https://planbeforeyoudie.app/printables/starter-binder): Free 12-page printable family binder, also as a PDF. Write down your people, where your papers are, your accounts, bills, pets and wishes.
- [Put key locations on the fridge](https://planbeforeyoudie.app/printables/fridge-card): Free printable fridge card that tells your family where your medicine list, health care proxy and contacts are kept. Type it in or fill it in by hand.
- [Thanksgiving talk cards](https://planbeforeyoudie.app/talk-cards): Free printable cards for Thanksgiving. Fill in where your papers are, who speaks for you and what matters to you, then hand one to each person after dinner.
- [Find unclaimed money by state](https://planbeforeyoudie.app/guides/unclaimed-money-by-state): Find official unclaimed property programs for 50 states and Washington, DC, with state guides and clear destination checks.
- [Unclaimed money in Alabama](https://planbeforeyoudie.app/states/alabama/unclaimed-money): Alabama State Treasury lets owners file an online unclaimed property claim without a fee. Each uploaded claim document must stay within 10 MB.
- [Unclaimed money in Alaska](https://planbeforeyoudie.app/states/alaska/unclaimed-money): The Alaska Unclaimed Property Program's search and claim service is free. An unanswered document request drops the claim from tracking after 90 days.
- [Unclaimed money in Arizona](https://planbeforeyoudie.app/states/arizona/unclaimed-money): The Arizona Department of Revenue charges nothing to search or file a claim. Its outreach never uses text messages, postcards, or faxes.
- [Unclaimed money in Arkansas](https://planbeforeyoudie.app/states/arkansas/unclaimed-money): The Arkansas Auditor of State charges no fee to claim. A notary is required for at least $1,000, for stock, or for a safe deposit box.
- [Unclaimed money in California](https://planbeforeyoudie.app/states/california/unclaimed-money): The State Controller search is free. Review can take up to 180 days, claims of $1,000 or more need a notary, and finder fees are no more than 10 percent.
- [Unclaimed money in Colorado](https://planbeforeyoudie.app/states/colorado/unclaimed-money): The Great Colorado Payback charges owners nothing to recover funds through the State Treasurer. Each upload batch can include only five claim documents.
- [Unclaimed money in Connecticut](https://planbeforeyoudie.app/states/connecticut/unclaimed-money): Connecticut's Big List is the Treasurer's unclaimed property search. The state returns property without charge when the claimant supplies proper evidence.
- [Unclaimed money in Delaware](https://planbeforeyoudie.app/states/delaware/unclaimed-money): Delaware does not charge to initiate or complete an unclaimed property claim. It does not pay by wire or ACH. It sends a check.
- [Unclaimed money in Florida](https://planbeforeyoudie.app/states/florida/unclaimed-money): Claim Your Cash from Florida has no fee to search or claim, and no deadline. The state never becomes the owner of your property.
- [Unclaimed money in Georgia](https://planbeforeyoudie.app/states/georgia/unclaimed-money): The Georgia Department of Revenue says searching and claiming are free. It pays most claims within 30 days, and some take up to 90 days.
- [Unclaimed money in Hawaii](https://planbeforeyoudie.app/states/hawaii/unclaimed-money): Hawaii lets owners search for and claim unclaimed property without a fee. Claims for funds below $100 generally must be filed within ten years.
- [Unclaimed money in Idaho](https://planbeforeyoudie.app/states/idaho/unclaimed-money): Idaho says a claim is free when your name is on its list. Office visits are by appointment only, and unclaimed money remains available indefinitely.
- [Unclaimed money in Illinois](https://planbeforeyoudie.app/states/illinois/unclaimed-money): Illinois ICash is a free State Treasurer search. A complete claim must be decided within 90 days unless Illinois needs more time.
- [Unclaimed money in Indiana](https://planbeforeyoudie.app/states/indiana/unclaimed-money): The Indiana Attorney General provides its unclaimed property service for free. A claimant must be at least eighteen to file a claim personally.
- [Unclaimed money in Iowa](https://planbeforeyoudie.app/states/iowa/unclaimed-money): The Great Iowa Treasure Hunt lets rightful owners claim unclaimed assets without a fee. Iowa asks claimants to allow up to 90 days for review.
- [Unclaimed money in Kansas](https://planbeforeyoudie.app/states/kansas/unclaimed-money): The Kansas State Treasurer charges no fee for its unclaimed property service. It does not accept claim forms or documents by fax or email.
- [Unclaimed money in Kentucky](https://planbeforeyoudie.app/states/kentucky/unclaimed-money): The Kentucky State Treasury offers its search for free. Mailed claim forms need original signatures, and it does not accept faxed or emailed forms.
- [Unclaimed money in Louisiana](https://planbeforeyoudie.app/states/louisiana/unclaimed-money): Louisiana lets owners claim listed unclaimed property without a fee. Property ID details show an amount range rather than an exact public amount.
- [Unclaimed money in Maine](https://planbeforeyoudie.app/states/maine/unclaimed-money): Maine imposes no time limit or fee for its unclaimed funds service. Deceased-owner claim checks are payable to the estate.
- [Unclaimed money in Maryland](https://planbeforeyoudie.app/states/maryland/unclaimed-money): ClaimItMD, from the Comptroller of Maryland, costs nothing. If no decision arrives within 60 to 90 business days, use the status search.
- [Unclaimed money in Massachusetts](https://planbeforeyoudie.app/states/massachusetts/unclaimed-money): FindMassMoney is the Massachusetts Treasury search, and the Treasury charges no fee. It does not accept electronic signatures on claim forms.
- [Unclaimed money in Michigan](https://planbeforeyoudie.app/states/michigan/unclaimed-money): Michigan's unclaimed property claim service is free, and Treasury must consider each claim within 90 days. Displayed cash properties are at least $50.
- [Unclaimed money in Minnesota](https://planbeforeyoudie.app/states/minnesota/unclaimed-money): The Minnesota Department of Commerce provides its lost-funds claim service without a fee. Status checks use the Claim ID issued for a submitted claim.
- [Unclaimed money in Mississippi](https://planbeforeyoudie.app/states/mississippi/unclaimed-money): The Mississippi Office of the State Treasury charges no fee to file an unclaimed property claim. It does not accept claim forms by fax or email.
- [Unclaimed money in Missouri](https://planbeforeyoudie.app/states/missouri/unclaimed-money): Missouri processes claims at no cost, with no time limit to file. Cash from an interest-bearing account can earn up to seven years of interest.
- [Unclaimed money in Montana](https://planbeforeyoudie.app/states/montana/unclaimed-money): Montana lets owners claim unclaimed property through its TransAction Portal for free. A submitted claim is tracked with a ten-digit tracking number.
- [Unclaimed money in Nebraska](https://planbeforeyoudie.app/states/nebraska/unclaimed-money): Nebraska Lost Cash charges no fee to search or claim. The Treasurer warns that processing can take several weeks, especially in spring.
- [Unclaimed money in Nevada](https://planbeforeyoudie.app/states/nevada/unclaimed-money): Nevada's search and claim service is free. It does not review a claim until required documents are uploaded. An upload can take up to 48 hours to appear.
- [Unclaimed money in New Hampshire](https://planbeforeyoudie.app/states/new-hampshire/unclaimed-money): New Hampshire returns ordinary money without charge. It charges $30 only when securities in a claim must be liquidated or re-registered.
- [Unclaimed money in New Jersey](https://planbeforeyoudie.app/states/new-jersey/unclaimed-money): New Jersey charges no fee to search or claim. The Unclaimed Property Administration is not open to the public, and checks are not produced there.
- [Unclaimed money in New Mexico](https://planbeforeyoudie.app/states/new-mexico/unclaimed-money): New Mexico returns unclaimed money without charge when you prove entitlement. Original owners need a signed and notarized claim form.
- [Unclaimed money in New York](https://planbeforeyoudie.app/states/new-york/unclaimed-money): The New York State Comptroller charges no fee to claim unclaimed funds, and there is no time limit. Sign a mailed claim in front of a notary.
- [Unclaimed money in North Carolina](https://planbeforeyoudie.app/states/north-carolina/unclaimed-money): NCCash, from the North Carolina State Treasurer, is a free search with no time limit to file. Complete claims are generally reviewed within 90 days.
- [Unclaimed money in North Dakota](https://planbeforeyoudie.app/states/north-dakota/unclaimed-money): The North Dakota Department of Trust Lands provides its search and claim service for free. Claims can be made at any time while the property remains held.
- [Unclaimed money in Ohio](https://planbeforeyoudie.app/states/ohio/unclaimed-money): The Ohio Division of Unclaimed Funds offers a free search and claim service. Add a first name, city, or ZIP code to narrow the results.
- [Unclaimed money in Oklahoma](https://planbeforeyoudie.app/states/oklahoma/unclaimed-money): The Oklahoma State Treasurer charges no fee to look into unclaimed property or to pay a claim. Confirm a satellite-office appointment before you visit.
- [Unclaimed money in Oregon](https://planbeforeyoudie.app/states/oregon/unclaimed-money): Oregon lets owners file an unclaimed property claim without a fee. Review can take up to ten months, and claim forms should not be emailed.
- [Unclaimed money in Pennsylvania](https://planbeforeyoudie.app/states/pennsylvania/unclaimed-money): Search and Claim PA is Pennsylvania Treasury's free unclaimed property service. It holds unclaimed property with no end date for the owner or their heirs.
- [Unclaimed money in Rhode Island](https://planbeforeyoudie.app/states/rhode-island/unclaimed-money): FindRIMoney offers free property searches, claim filing, and claim-status checks. Rhode Island updates its unclaimed property database regularly.
- [Unclaimed money in South Carolina](https://planbeforeyoudie.app/states/south-carolina/unclaimed-money): South Carolina charges no fee, and owners have no time limit to claim unclaimed funds. Review can take four to twelve weeks.
- [Unclaimed money in South Dakota](https://planbeforeyoudie.app/states/south-dakota/unclaimed-money): South Dakota charges nothing to inquire about unclaimed property or file a claim. Stock transactions and safe deposit box charges can still involve fees.
- [Unclaimed money in Tennessee](https://planbeforeyoudie.app/states/tennessee/unclaimed-money): Tennessee Treasury charges no fee to claim unclaimed property through ClaimItTN. The check goes to the address supplied on the claim form.
- [Unclaimed money in Texas](https://planbeforeyoudie.app/states/texas/unclaimed-money): ClaimItTexas.gov is the Texas Comptroller's free search. Owners can generally file at any time, and payment is a paper check through USPS.
- [Unclaimed money in Utah](https://planbeforeyoudie.app/states/utah/unclaimed-money): Utah says MyCash has no charge or fee. Some claims can take up to 90 days, and payment still needs the original signed form.
- [Unclaimed money in Vermont](https://planbeforeyoudie.app/states/vermont/unclaimed-money): Vermont charges nothing when an owner works directly with the State Treasurer. A claim above $200 must be signed before a notary.
- [Unclaimed money in Virginia](https://planbeforeyoudie.app/states/virginia/unclaimed-money): Virginia Money Search is free. Walk-in help is paused from October 19, 2026. Tangible property claims cannot be processed until January 2027.
- [Unclaimed money in Washington](https://planbeforeyoudie.app/states/washington/unclaimed-money): Washington charges no fee to search or file a claim. It must allow or deny a claim within 90 days and pay an allowed claim within 30 days.
- [Unclaimed money in Washington, DC](https://planbeforeyoudie.app/states/district-of-columbia/unclaimed-money): The DC Office of Finance and Treasury provides its unclaimed property claim service for free. Owners can make a claim at any time.
- [Unclaimed money in West Virginia](https://planbeforeyoudie.app/states/west-virginia/unclaimed-money): The West Virginia State Treasurer charges no fee to search or claim. It withholds the dollar amount under its unclaimed property confidentiality rules.
- [Unclaimed money in Wisconsin](https://planbeforeyoudie.app/states/wisconsin/unclaimed-money): Wisconsin returns unclaimed funds without charge once ownership or legal rights are proved. One claim covers up to twenty properties for one owner.
- [Unclaimed money in Wyoming](https://planbeforeyoudie.app/states/wyoming/unclaimed-money): Wyoming says to expect an emailed claim form within thirty minutes after filing. Send evidence with the Claim ID, not the property search ID.

## Checked facts for assistants

- [Facts connector](https://planbeforeyoudie.app/mcp): read-only MCP server with tools search_facts, get_form, readiness_checklist, list_guides, after_death_deadlines, state_rules, inherited_ira_rule, agency_permissions
- [Facts as JSON](https://planbeforeyoudie.app/api/facts): every public fact with its source and the date checked
- [Free data downloads](https://planbeforeyoudie.app/data): CSV and JSON files of every checked fact, each state's official unclaimed money search, and the 25-check Family Readiness Standard (CC BY 4.0)
- [Full text for assistants](https://planbeforeyoudie.app/llms-full.txt)

## About

- [Pricing](https://planbeforeyoudie.app/pricing): the one plan, what it includes and what it doesn't
- [Sample report](https://planbeforeyoudie.app/sample-report): what a family gets
- [About](https://planbeforeyoudie.app/about): what we help you do and what we never do
- [Editorial policy](https://planbeforeyoudie.app/editorial-policy): how we check facts
- [Corrections](https://planbeforeyoudie.app/corrections): how to report a mistake and what we changed
- [How we make money](https://planbeforeyoudie.app/how-we-make-money): every way we earn money
- [Security](https://planbeforeyoudie.app/security): how sign-in, documents and sharing are protected
- [Contact](https://planbeforeyoudie.app/contact): write to hello@planbeforeyoudie.app
- [Privacy](https://planbeforeyoudie.app/privacy): what we keep and what we never keep
- [Terms](https://planbeforeyoudie.app/terms): the terms for using the site and the plan