Identity Theft Awareness Week: Tips for Lowering the Hidden Risk After a Death

Cydney Schwartz • January 27, 2026

When someone dies, their identity doesn’t automatically disappear. And for families, that reality can create risks they never expected to manage.


In the weeks and months that follow a death, families are juggling grief, paperwork, and a long list of unfamiliar responsibilities. During this time, a person’s identity is often still active across financial institutions, government agencies, and digital platforms, quietly creating an overlooked window of vulnerability.


This risk is commonly referred to as deceased identity theft or “ghosting.” While it’s rarely talked about, consumer protection agencies consistently warn that it’s a real and ongoing issue—one that can add unnecessary stress and financial harm to families already navigating loss.


This Identity Theft Awareness Week we’re helping families understand the risks after a loss, and how to limit them.

Why Identity Risk Persists After a Death

When a death occurs, there is rarely a single system that updates all records at once. Instead, families must notify institutions individually—credit bureaus, banks, government agencies, insurers, and more—often with different requirements and timelines.

During this transition period:

  • Credit files may remain active
  • Financial and digital accounts may be unmonitored
  • Government systems may not yet reflect the death
  • Public records may update before safeguards are in place


It’s this gap, between public notice and institutional closure, that creates potential exposure.

Public Records, Timing, and Exposure

Public records, such as obituaries, probate filings, and death notices, play an important role in honoring life, informing communities, and supporting legal processes. At the same time, they can signal to those with bad intentions that an identity is vulnerable, as some systems may not have been fully updated yet.


Consumer protection organizations emphasize that the risk does not stem from memorialization itself, but from timing mismatches across systems. When accounts, credit files, or tax records remain active, identities are more vulnerable to misuse and fraud.


Being aware of post-death identity exposure risk allows families and professionals to act earlier and protect the estate, without changing how they memorialize or honor their loved ones.

Key Steps for Reducing Post-Death Identity Risk

While nothing can eliminate risk entirely, consumer protection agencies recommend several actions that can help reduce exposure:

1. Notify Credit Bureaus

Request a deceased alert with major credit bureaus and provide required documentation so new credit activity is flagged for review.

2. Monitor Financial and Government Mail

Unexpected bills, collection notices, or tax correspondence addressed to the deceased can be early indicators of an issue.

3. Secure Key Documents

Death certificates, identification records, and estate documents should be stored securely yet accessible, as they are often required repeatedly.

4. Track Notified Institutions

Keep a centralized record of which institutions have been notified and which still require follow-up. This can help prevent gaps.

5. Seek Trusted Guidance

Consumer protection agencies and estate professionals can provide support and guidance if identity fraud is suspected.

Awareness Is the First Line of Protection. Cadence is the Next.

Identity Theft Awareness is a reminder that protection doesn’t stop at life, it extends into how we support families after loss. By understanding post-death identity risk, acting early, and closing system gaps thoughtfully, families and professionals can reduce unnecessary harm during one of life’s most difficult transitions.

At Cadence, we created Estate Guard™ to help families identify potential areas of exposure after a death and take informed, timely next steps. Estate Guard is designed to bring clarity and structure to a complex, often fragmented process, supporting families with a smoother path and easier coordination during a difficult time.

See how Estate Guard™ helps protect the families you serve →

February 9, 2026
When my mom died, I left the funeral home with a checklist. It didn’t feel helpful. It felt crushing. I remember sitting at my kitchen table afterward, crying, staring at a list of things I was suddenly responsible for—forms to fill out, accounts to close, tasks to complete. I searched online for guidance, typed my mom’s date of death into one form after another, and felt the weight of it all pressing down at a moment when I was least able to cope. What struck me most wasn’t just the grief. It was the absence of a clear path forward. Instead of structure or support, I found broken, fragmented systems—and an overwhelming amount of responsibility placed on people in the rawest moments of their lives At the time, I assumed this was just my experience. Discovering a Shared Reality Over the years, that assumption proved wrong. Through volunteering in hospice, talking with families, and working alongside care providers, I began to hear the same story again and again. The confusion. The overwhelm. The feeling of being left alone to navigate a complicated web of tasks after loss. What I experienced wasn’t the exception. It was the norm And that realization stayed with me. A Better Way After Loss The period after a death is one of the most vulnerable times in a person’s life. Yet it’s also when we ask families to become administrators, coordinators, and decision-makers—often without guidance, clarity, or continuity of care. That didn’t feel right. Cadence exists because that time after loss deserves more structure, more clarity, and more care than it’s been given That belief is the foundation of everything we do. Built for Families, With Funeral Homes We built Cadence for families—but we work hand in hand with funeral homes. Why? Because funeral homes are often the last place families feel truly supported , and at the same time, the first place where responsibility begins Funeral professionals show up for families at an incredibly meaningful moment. Cadence is designed to extend that care beyond the service itself—helping families navigate what comes next with confidence instead of confusion. Doing This Together Cadence is not about replacing human connection. It’s about strengthening it. We’re here to do this work together—with funeral homes, care providers, and families—so no one feels abandoned once the ceremony ends. Supporting families long after the service isn’t an extra. It’s the work. And that’s why I built Cadence. About Rachel Drew, CEO & Founder of Cadence Rachel Drew is the Founder and CEO of Cadence. She founded the company after recognizing a critical gap in support for families following a death. With experience working alongside hospice providers, care teams, and funeral professionals, Rachel leads Cadence with a focus on extending care beyond the service and strengthening the role funeral homes play in supporting families long-term.
January 22, 2026
New capability surfaces active accounts, automates notifications, and closes a critical gap in estate security. “When someone dies, their data doesn’t. Estate Guard™ gives families and institutions a clear, secure way to see what’s at risk and act when it matters most.” — Rachel Drew, Founder & CEO, Cadence
More Posts