dcsimg

A Guide for Savings Bond Owners: Administered Estates

When someone dies, that person's estate (what the person owns) must be "settled" – distributed according to the person's will or the law.  If a court of law appoints a legal representative (executor, administrator, or personal representative) to administer the estate, the estate is an administered estate. Administered estates can be categorized as "open" or "closed."

Use the appropriate link below to learn what you need to submit to conduct your transaction involving an administered estate.


Cash Bonds

To cash a bond held in an administered estate, follow the instructions below.
Send us:

  • FS Form 1522
  • Certified copy of the letters of appointment
  • Certified copy of the death certificate for anyone named on the bond
  • The unsigned bond you wish to cash

Final instructions

Please check each required form along with additional documents to be sure they are completed correctly, signed, and certified according to the instructions. Incomplete or inaccurate submissions will delay processing.

You can get the forms above by downloading them or ordering them. To download, click on the underlined form number. To have a form mailed to you, order it at "Forms: Savings Bonds."


Reissue Bonds

You may ask us to reissue a bond when, for example, you want us to correct an error on a bond, change a name due to marriage or divorce, or remove the name of owner, co-owner, or beneficiary, such as when the person dies.

Reissue an E, EE, or I bond to an estate

The bond will be reissued in electronic form, so the recipient must have a TreasuryDirect account.

Send us:

  • FS Form 4000
  • Certified copy of the Letters of Appointment
  • Certified copy of the Death Certificate(s) for anyone named on any of the bonds
  • The unsigned bond(s)

Reissue an H or HH bond to an estate

The bond will be reissued in paper form.

Send us:

  • FS Form 4000 and FS Form 5396
  • Certified copy of the Letters of Appointment
  • Certified copy of the Death Certificate(s) for anyone named on any of the bonds
  • The unsigned bond(s)

Final instructions

Please check each required form along with additional documents to be sure they are completed correctly, signed, and certified according to the instructions. Incomplete or inaccurate submissions will delay processing.

You can get the forms above by downloading them or ordering them. To download, click on the underlined form number. To have a form mailed to you, order it at "Forms: Savings Bonds."


Distribute Bonds

In settling an estate, you may ask us to distribute bonds to entitled persons.  To do this, follow the instructions below.

Distribute E, EE, or I bonds

Send us the following items.  Note:  Recipient must have a TreasuryDirect account.

  • FS Form 1455
  • FS Form 1522 OR FS Form 4000
  • Certified copy of the letters of appointment
  • Certified copy of the death certificate anyone named on any of the bonds
  • The unsigned bonds you wish to distribute

Distribute H or HH bonds

Send us:

Final instructions

Please check each required form along with additional documents to be sure they are completed correctly, signed, and certified according to the instructions. Incomplete or inaccurate submissions will delay processing.

You can get the forms above by downloading them or ordering them. To download, click on the underlined form number. To have a form mailed to you, order it at "Forms: Savings Bonds."


File a Claim for Lost, Stolen, or Destroyed Bonds

If your bonds are lost, stolen, or destroyed, you have these options:

  • For EE and I bonds
    • cash them
    • replace them with a bond in electronic form
  • For HH bonds
    • cash them
    • replace them with paper bonds
  • For E and H bonds
    • cash them

For any of those transactions, send us:

  • FS Form 1048 – Make sure you provide all bond serial numbers.  If a bond serial number is unavailable, you must provide the following information on the form, regardless of the type of ownership for the bond:
    • The specific month and year of purchase
    • The first and last name (plus middle name or initial, if it was on the original bond)
    • Street address, city, and state
    • Taxpayer Identification Number (Social Security Number) that appeared on the bond

Final instructions

Please check each required form along with additional documents to be sure they are completed correctly, signed, and certified according to the instructions. Incomplete or inaccurate submissions will delay processing.

You can get the forms above by downloading them or ordering them. To download, click on the underlined form number. To have a form mailed to you, order it at "Forms: Savings Bonds."