What to do when a LMCU account holder dies

Processing timelines at LMCU: POD accounts typically processed within 5-10 business days upon verification of documentation. Estate accounts vary depending on probate court timelines and completeness of documentation.. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.

LMCU requires several documents to process a claim, including Original or certified death certificate, Government-issued photo ID for claimant (beneficiary, trustee, or personal representative), and Letters of Personal Representative issued by probate court (if no POD or trust), and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.

LMCU's Special Accounts Department can be reached by phone at 1-800-242-9790 and fax at (616) 643-0720 for questions throughout the claims process.

If the deceased held multiple LMCU accounts, each may require a separate claim or have different documentation requirements. The Special Accounts Department can confirm which accounts require individual attention and which can be processed together.