Settling an estate in Michigan: the executor's checklist

State content checked 2026-09 · 21 steps · rule table 2026.09.1

Being named executor in Michigan is a 12–18 month job nobody trained you for. This is the whole sequence — what Michigan requires of you, what is merely sensible, and which statute each requirement comes from.

The Michigan rules an executor is held to

Claims barred 4 months after publication of the notice to creditors; if that notice is never properly given, claims stay open for 3 years from the date of death.read at source

4 months / 3 years

MCL 700.3801, 700.3803 · last checked 2026-09-05

Personal representative generally serves and files an inventory within 91 days of appointment.not yet confirmed

91 days

MCR 5.307 / MCL 700.3706 · last checked 2026-07

Michigan specifics

Michigan specifics (verify current law with the Probate Court or an attorney): Michigan offers both informal and formal probate under EPIC; the personal representative generally serves and files an inventory within 91 days of appointment (MCR 5.307 / MCL 700.3706); a notice to creditors is published and known creditors are notified, with claims generally barred 4 months after publication of the notice — but if that notice is never properly published, claims stay open for 3 years from the date of death (MCL 700.3801, 700.3803); smaller estates may use simplified procedures; Michigan has no estate or inheritance tax. General information, not legal advice.

The full checklist, in order

Steps are grouped the way the work actually arrives. Required marks a duty backed by a citation; Recommended marks something that protects you or the estate but is not itself a legal obligation.

1. Immediate matters

Order certified death certificates (10–12 copies)Recommended

Nearly every institution requires an original certified copy.

How: Order through the funeral home or the Michigan Vital Records office.

Deliver the original will to the Probate CourtRecommended

Michigan law directs the person holding the will to deliver it to the Probate Court after death.

How: Take the original will to the Probate Court in the county where they lived.

Secure the home and vehiclesRecommended

You are responsible for protecting estate property from loss.

How: Lock up, collect keys, consider re-keying, keep utilities on for now.

Forward the mail to yourselfRecommended

The mail reveals accounts and bills you don't know about.

How: USPS forwarding as 'personal representative for the estate of…'. Photograph everything into Settle.

Notify the Social Security AdministrationRecommended

Stops benefit payments that would have to be repaid. Survivor benefits are separate — nobody starts them for you.

How: The funeral home usually reports the death — confirm by calling SSA at 1-800-772-1213. If a surviving spouse or child may qualify for survivors benefits or the $255 lump-sum death payment, they must apply themselves; you cannot apply online. Ask about the benefit paid for the month of death, which often has to be returned.

2. Securing the estate

Open informal or formal probateMay be required

Gets you Letters of Authority. Informal probate is faster and handled administratively; formal probate involves a judge and is used when there are disputes.

How: File with the Probate Court in the county where they lived; ask the register about informal vs formal.

Gather key documents into one placeRecommended

Statements, deeds, titles, and tax returns recur constantly through settlement.

How: Photograph everything into Settle as you find it.

Check homeowners insurance on the empty homeRecommended

Vacancy can limit or void coverage; an uninsured loss drains the estate.

How: Call the insurer and ask about a vacancy endorsement.

Get an EIN for the estateMay be required

Needed for the estate bank account and tax filings.

How: Free at irs.gov, 15 minutes online.

Open an estate bank accountRecommended

Never mix estate money with your own.

How: Bring Letters of Authority, EIN, and a death certificate to the bank.

3. Notifications & claims

Publish notice to creditors (4-month claim period)Recommended

Michigan creditors are generally barred 4 months after publication of the notice to creditors (MCL 700.3801); known creditors must also be notified.

How: Publish the notice and notify known creditors. Track claims in Settle.

Notify banks and financial institutionsRecommended

Freezes accounts against fraud; starts transfers.

How: Write to each institution with a certified death certificate and, once the court issues them, a copy of your Letters. Log who you contacted and when in Settle so you can show the follow-up trail.

File life insurance claimsRecommended

Policies pay beneficiaries directly and often quickly.

How: Call each insurer with policy number + death certificate.

Close credit cards and notify credit bureausRecommended

Stops fees and identity theft.

How: Notify issuers, then Equifax, Experian, TransUnion.

4. Inventory & valuation

Serve and file the inventory (within 91 days of appointment)Required

Michigan generally requires the personal representative to serve and file an inventory within 91 days of appointment (MCR 5.307 / MCL 700.3706).

How: Settle's inventory report gives you the asset list; serve interested persons and file with the court.

MCR 5.307 / MCL 700.3706 · last checked 2026-07not yet confirmed

Get valuations for property and valuablesMay be required

Date-of-death values set tax basis and drive distribution.

How: Real estate: appraisal or broker opinion. Keep reports in Settle.

5. Administration

Keep paying legitimate ongoing bills from the estate accountRecommended

Protects estate value; order of payment matters if funds are tight.

How: Estate account only. If the estate may be insolvent, pause and get advice.

File the final income tax returnMay be required

A final personal return (and possibly an estate income return) is due; Michigan has no estate or inheritance tax, but federal filing still applies.

How: A CPA experienced with estates is usually worth it — hand them Settle's reports.

Reimburse your out-of-pocket expensesRecommended

Documented expenses come back to you from the estate.

How: Settle's ledger tracks 'paid personally' items; reimburse with a paper trail.

6. Distribution & closing

Distribute to beneficiaries (after the 4-month claim period)May be required

Distributing before the creditor period closes and debts/taxes are paid can create personal liability.

How: Follow the will (or Michigan intestacy rules). Get signed receipts; keep them in Settle.

File the final account and close the estateMay be required

Michigan estates close with a sworn statement (informal) or a final account approved by the court (formal).

How: Generate Settle's Ledger and Inventory reports; file the closing statement or final account. Keep records for several years.

Settle builds this checklist into a plan you can actually work

The steps above, ordered for your situation in Michigan, with the deadlines on a calendar, your documents attached to the step that needs them, and an expense ledger for everything the estate owes you back. The plan itself is free.

Get Settle on the App Store →

How to check us

Every figure on this page links to the statute or court source it came from and shows the date we last read it. 2 of the 3 citations on this page carry the “not yet confirmed” tag. That means we recorded the citation from a secondary source and have not yet read it against the primary statute text ourselves. We could have left those rows out and the page would look better — but it would imply the rest were checked too, which is exactly the impression nobody should be given about a court deadline.

The full registry, including everything we have not confirmed, is published at Where the state information comes from. If the court or your attorney gave you a different date, please tell us at [email protected] — it is the fastest way to get it fixed for the next executor.