What to do when a Alerus account holder dies

Processing timelines at Alerus: 3-5 business days after complete documentation is received. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.

Alerus requires several documents to process a claim, including Certified copy of death certificate, Government-issued photo ID for the beneficiary or claimant, and Completed beneficiary distribution claim form (provided by Alerus), and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.

Alerus's Retirement and Benefits Client Service Center can be reached by phone at 1-800-433-1685 for questions throughout the claims process.

If the deceased held multiple Alerus retirement accounts, each may require a separate claim or have different documentation requirements. The Alerus Wealth Management - Trust & Fiduciary can confirm which accounts require individual attention and which can be processed together.