Mary Grace offered practical guidance for surviving spouses and next of kin, noting that: 

“The surviving spouse should be able to cash that check. Worst case, the bank may suggest you show a copy of their death certificate and a photo ID. In a situation where it’s addressed solely to that deceased individual, my advice would be to contact the NYS Dept. of Tax and Finance and request they reissue the check either to that individual’s estate or to their next of kin.” 

We appreciate the opportunity to contribute to this important conversation and help clarify next steps for those navigating this issue. If you’ve received a check under these circumstances, the New York State Department of Tax and Finance encourages you to contact their help center at 518-457-5181. 

Disclosures: Howe & Rusling, Inc. (“H&R”) is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. The information provided herein is for educational and informational purposes only and should not be construed as personalized financial, tax, or legal advice. Individuals should consult with the appropriate professionals regarding their specific circumstances. Howe & Rusling, Inc. did not pay to be included in the referenced WROC News segment, nor did WROC compensate Howe & Rusling, Inc. for participating in or sharing the interview. Inclusion in third-party media is not to be construed as an endorsement or recommendation of Howe & Rusling, Inc. by WROC or any other party.  The views and opinions expressed by Mary Grace Graniero, CPA, CFP®, are her own as of the date of the referenced interview and may not reflect the views of Howe & Rusling, Inc. Any third-party information, links, or media references—including the WROC News segment—have been obtained from sources believed to be reliable, but H&R cannot guarantee their accuracy or completeness. H&R is not affiliated with WROC or the New York State Department of Tax and Finance. Any discussion of tax-related matters is for general informational purposes only. Howe & Rusling does not provide tax or legal advice. Readers should consult their tax professional regarding their specific situation, particularly when navigating issues related to estates, next-of-kin authority, or state-issued payments. Procedures and requirements may change, and individuals should verify current guidance directly with the New York State Department of Tax and Finance or other relevant authorities. Past discussions, interviews, or media appearances are not indicative of future results or future views. Any opinions or outlooks expressed are subject to change without notice.