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A Guide for Savings Bond Owners: Living Estates

A living estate is established when a court appoints a legal guardian for the estate of another living person. This form of registration is available for an individual or organization that has been court-appointed according to state law to act on behalf of the estate of an incompetent person or other living person.

This form of registration is not available where the legal guardian is acting on behalf of a federal, state, or local government.

Use the appropriate link below for a list of what you need to submit to conduct your transaction involving bonds in a living estate.


Cash Bonds

To cash a bond held in a living estate, follow the instructions below.

Send us:

  • FS Form 1522
  • Power of Attorney OR Certified copy of the Letter of Appointment
  • The unsigned bond(s) 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

Reissuing bonds in a living estate can be very case specific. We recommend you contact us for instructions before proceeding with this request.

Please contact us by phone toll-free at 844-284-2676 or e-mail us at SavBond@bpd.treas.gov.


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."