Life Events
Consumer Tips & Information
Life Events
Major life changes can bring new paperwork, financial decisions, legal questions and opportunities for scams. This page connects Iowans with official agencies responsible for records, benefits, court processes and other services, while providing consumer-protection guidance for avoiding scams and misleading services.
Choose a Life Event
Select the situation that best matches what is changing. Each guide explains useful first steps, consumer risks to watch for, and where to find the agency or professional responsible for the issue.
Death of a Loved One
Find practical steps for documents, notifications, identity protection, bills and debts, funeral arrangements, probate, benefits, taxes, and digital accounts.
Marriage, International Marriage & Name Changes
Learn where to begin with Iowa marriage records, marriages performed outside the United States, foreign documents, name changes, agency updates, and related scam concerns.
Birth, Adoption & Adding a Family Member
Find trusted resources for birth and adoption records, Social Security numbers, benefits, insurance updates and protecting a child's identity.
Divorce, Separation & Household Changes
Review practical considerations involving joint accounts, debts, insurance, housing, personal records, identity protection, court resources, and changes to household benefits.
Moving & Establishing a New Home
Find steps for updating your address, identification, benefits and financial accounts, transferring services, protecting your mail, and avoiding moving, rental, utility, and home-service scams.
Employment Changes & Retirement
Review resources for job loss, a new job, benefit and insurance changes, retirement accounts, pensions, Social Security, Medicare, and employment or retirement-related scams.
Serious Illness, Disability & Caregiving
Find resources for benefits, insurance, disability programs, caregiving responsibilities, legal documents, long-term care, financial protection and reporting suspected abuse or exploitation.
Disaster, Emergency & Displacement
Find trusted resources for emergency assistance, temporary housing, insurance claims, contractors, displacement and disaster-related scams.
Military Life & Veteran Transitions
Find resources for deployment, relocation, returning to civilian life, military and veteran benefits, housing & financial protections, family changes, and scams targeting service members and veterans.
Guidance That Applies Across Life Events
Different life events involve different agencies, but protecting personal information, using official sources and keeping reliable records can help across many situations.
Protect Personal Information
Life changes often require sharing identity, financial, medical or benefit information. Verify who is requesting the information, why it is needed and how it will be protected.
Iowa AG Identity Theft & PrivacyRecognize Common Scam Tactics
Be cautious of unexpected contacts, urgent payment demands, promises of guaranteed benefits and requests for gift cards, cryptocurrency, wire transfers or access to an account or device.
Iowa AG Fraud & Scam GuidanceIs This a Consumer Problem?
Contact the Consumer Protection Division when a life event also involves a scam, deceptive business practice, misleading service, disputed consumer transaction or other consumer-protection concern. Questions about benefits, court cases, licenses or legal status should be directed to the agency or professional responsible for that issue.
Birth, Adoption & Adding a Family Member
Welcoming a child or adding someone to your household can require updates to official records, benefits, insurance and financial accounts. Start with the documents and agencies that apply to your family's circumstances.
Birth certificates and Social Security numbers
Certified Iowa birth certificates are issued through the Iowa Department of Health and Human Services and participating county recorder offices. Iowa HHS also provides information about requesting certified records and accessing original birth certificates following an adoption.
Parents can generally request a Social Security number for a newborn as part of the hospital birth-registration process. If that was not completed, the Social Security Administration explains how to request a number and card separately.
Iowa HHS identifies VitalChek as its authorized third-party vendor for online vital-record requests. Be cautious of unrelated websites that charge additional fees or imply that they are an official government service.
Insurance, benefits and household records
A birth, adoption or other change in household membership may affect health insurance, employer benefits, tax records and eligibility for public assistance. Deadlines may apply, so contact the appropriate provider or agency promptly.
- Contact your health-insurance provider or employer benefits administrator about adding the child or family member.
- Update household information for Medicaid, Hawki, food assistance or other Iowa HHS programs when applicable.
- Review beneficiaries on life-insurance policies, retirement accounts and payable-on-death accounts.
- Ask a qualified tax professional or the IRS how the household change may affect filing status, dependents or available tax credits.
Adoption and foster-care resources
Adoption and foster-care requirements depend on the type of placement and the family's circumstances. Iowa HHS provides information about foster care, adoption, support services and how to begin the approval process.
Court forms may be available for certain family-law proceedings, but court staff cannot provide legal advice. Consider speaking with an Iowa attorney when you need help understanding legal rights, required filings or the effect of an adoption order.
Protecting a child's identity
A child's Social Security number and personal information can be used to open fraudulent credit accounts, apply for benefits or create other false records. Keep identity documents secure and share the child's Social Security number only when it is legitimately required.
A parent or other authorized representative can request a free credit freeze for a child under age 16 from each of the three nationwide credit bureaus. Young people ages 16 or 17 may request and manage their own freezes.
Watch for scams and misleading services
- Avoid websites that imitate government agencies or charge unnecessary fees for records you can request through an official agency.
- Before paying an adoption provider, verify the provider's identity, credentials and Iowa licensing status when applicable. Obtain written information describing the services, fees and refund terms.
- Do not provide a child's Social Security number in response to an unexpected call, email or text message.
Divorce, Separation & Household Changes
Divorce, separation and other household changes can affect housing, finances, insurance, parenting responsibilities and personal safety. Requirements depend on your circumstances, so use official court forms and contact a qualified attorney when you need legal advice.
Divorce and legal-separation information
Divorce and legal-separation proceedings in Iowa are handled by the Iowa Judicial Branch. The court provides approved forms, filing instructions and guides for people who choose to represent themselves.
Different forms apply depending on whether the spouses have minor or dependent adult children. Court staff can provide general information about forms and procedures, but they cannot provide legal advice.
Iowa Code Chapter 598 addresses dissolution of marriage and domestic-relations proceedings. The court forms and instructions explain how those laws apply to the filing process.
Children, custody and child support
Parenting arrangements, custody, physical care, visitation and child support are separate legal issues. An informal agreement between parents may not change an existing court order.
- Review the current court order before changing parenting, custody or support arrangements.
- Use Iowa Judicial Branch forms when asking the court to establish or modify an order.
- Contact Iowa Child Support Services for help establishing, collecting or reviewing eligible child-support obligations.
- Seek legal advice if the parents disagree, a child may be moved out of Iowa or another state issued the existing order.
Child Support Services handles support-related services. Custody, physical care and visitation disputes generally must be addressed separately through the court.
Financial accounts, property and insurance
Household changes may affect jointly held property, debts, insurance coverage, taxes and access to financial accounts. Before closing or transferring anything, review applicable court orders and obtain legal advice when ownership or responsibility is disputed.
- Make a secure inventory of accounts, debts, insurance policies, recurring bills and important household property.
- Review account access, mailing addresses, emergency contacts and automatic payments.
- Ask an employer or insurer about deadlines for changing health, life or other insurance coverage.
- Review beneficiaries on insurance policies, retirement accounts and payable-on-death accounts with an attorney or financial professional.
- Keep copies of court orders, settlement documents and written communications concerning shared financial obligations.
Preserve financial and property records and follow all applicable court orders. Obtain legal advice before transferring, closing or disposing of disputed property or accounts.
Housing and address changes
Before leaving a shared residence, removing another person or changing locks, review the lease, deed and any applicable court order. Housing rights depend on ownership, tenancy and the facts of the situation.
- Notify landlords, mortgage servicers and utility providers when appropriate.
- Submit an official address change and update government, financial and insurance records.
- Consider using a secure mailing address if disclosing a new residence could create a safety risk.
- Preserve copies of leases, deeds, payment records, notices and communications about the residence.
Legal assistance
Family-law matters can affect long-term rights involving children, property, debts and support. Consider consulting an attorney, particularly when the parties disagree, substantial property is involved or there are concerns about coercion or safety.
If there are threats, abuse or immediate safety concerns
Separation can be a particularly dangerous time for someone experiencing domestic abuse. If you are in immediate danger, call 911. Iowa courts provide forms for requesting protection from domestic abuse, and confidential help is available through the Iowa Victim Service Call Center.
Using a shared device may leave a browsing history. Use a safer device when possible if another person monitors your internet use.
The Consumer Protection Division cannot provide family-law advice, interpret a court order or determine custody, property or support rights. Use Iowa Judicial Branch resources or consult a qualified attorney for assistance with an individual case.
Moving & Establishing a New Home
Moving can involve housing contracts, deposits, utility accounts, address changes and major purchases. Taking time to verify providers and document agreements can help prevent unexpected costs and scams.
Before renting or buying a home
- Visit the property in person or confirm that a trusted person has inspected it before sending money.
- Verify the identity of the property owner, landlord, property manager or real-estate professional.
- Read the entire lease, purchase agreement or other contract before signing it.
- Confirm which utilities, maintenance costs, fees and deposits are your responsibility.
- Keep copies of advertisements, listings, contracts, inspection reports, receipts and communications.
Be cautious if someone refuses to show the property, claims to be unavailable for an in-person meeting or pressures you to send a deposit before you can review the agreement.
Hiring a moving company
Compare multiple moving companies and obtain written estimates. For interstate moves, confirm the mover's federal registration and complaint history before signing an agreement.
- Ask whether the estimate is binding and what additional charges may apply.
- Review the mover's responsibility for lost or damaged property.
- Do not sign blank or incomplete paperwork.
- Be cautious of demands for a large cash deposit or payment by wire transfer, cryptocurrency, gift card or payment app.
- Photograph valuable items and keep an inventory of what is being moved.
Update your address and official records
An address change submitted to one organization does not automatically update every government agency, financial account or service provider.
- Submit an official mail-forwarding request through the United States Postal Service.
- Update the mailing or residential address associated with your Iowa driver's license or identification card.
- Update vehicle title and registration records through the appropriate county treasurer when necessary.
- Update your voter registration after changing your residential address.
- Notify employers, insurers, financial institutions, medical providers and government-benefit programs.
Use official government websites. Search advertisements and unofficial address-change websites may charge additional fees for services available directly from the responsible agency.
Start or transfer utilities
- Contact the utility provider using a number from its official website or a recent bill.
- Confirm start dates, deposits, installation charges and account requirements in writing.
- Record meter readings and photograph meters when moving into or out of a property.
- Do not make immediate payments in response to an unexpected shutoff threat. Contact the utility directly to verify the account.
The Iowa Utilities Commission regulates certain utilities and may assist with qualifying utility-service complaints. Municipal, cooperative and other providers may be subject to different oversight.
Repairs, contractors and Iowa One Call
New homeowners may quickly encounter repair projects or door-to-door contractor offers. Compare contractors, request written estimates and avoid paying the entire project cost before work begins.
Before beginning an outdoor project that involves digging, contact Iowa One Call so underground facilities can be located and marked.
Address confidentiality and personal safety
Iowa's Safe at Home program provides address confidentiality services for eligible survivors of domestic violence, sexual assault, trafficking, stalking and other qualifying crimes.
Safe at Home participants should follow the program's specific instructions when updating driver's-license, vehicle-registration and other government records.
Watch for rental and moving scams
- Confirm that a rental listing has not been copied from a legitimate sale or rental advertisement.
- Never send money merely because someone claims other applicants are waiting.
- Avoid anyone who will accept payment only through an irreversible or difficult-to-recover payment method.
- Report suspected fraud promptly and preserve the listing, communications, receipts and payment information.
Employment Changes & Retirement
Starting a job, losing employment or retiring can affect income, insurance, taxes and retirement benefits. Review important deadlines, preserve employment records and use official agencies when applying for benefits.
If you have lost your job or work hours
Iowa Workforce Development administers unemployment insurance in Iowa. Eligibility depends on the circumstances of the employment separation and other requirements.
- Apply promptly through the official IowaWORKS system if you believe you may qualify.
- Follow all weekly-claim, work-search and reemployment requirements.
- Preserve pay statements, schedules, separation notices and communications from your employer.
- Review when employer-sponsored health insurance and other benefits will end.
- Ask the employer or plan administrator about retirement accounts, final wages and unused leave.
Filing an application does not guarantee eligibility. Iowa Workforce Development determines whether a claimant qualifies under applicable unemployment-insurance requirements.
Starting a new job
- Confirm the employer, job duties, wages, schedule and work location before providing sensitive personal information.
- Review health insurance, retirement plans, leave policies and other available benefits.
- Complete tax-withholding and direct-deposit forms through a verified employer system.
- Keep copies of the job offer, employment agreement, handbook acknowledgments and benefit elections.
- Review whether an existing retirement account should remain with the former plan or be transferred.
A legitimate employer generally will not require you to pay for a job, purchase gift cards, deposit a check and return part of the money, or use your personal bank account to transfer company funds.
Health-insurance changes
Losing or gaining employer-sponsored coverage may create a limited period in which you can enroll in another plan. Available options may include coverage through another household member's employer, continuation coverage, the Health Insurance Marketplace, Medicare or qualifying Iowa HHS programs.
- Confirm the exact date current coverage ends.
- Compare premiums, deductibles, provider networks and prescription-drug coverage.
- Keep copies of coverage-termination notices and enrollment confirmations.
- Do not wait for an urgent medical need before reviewing replacement coverage.
Planning for retirement
Retirement decisions can affect monthly income, taxes, health coverage and benefits available to a spouse or beneficiary. Review each retirement plan separately before selecting a payment option or distribution.
- Request current benefit estimates directly from the retirement plan or account provider.
- Review beneficiary designations and survivor-payment options.
- Understand the tax consequences of withdrawals, distributions or account transfers.
- Consider how the timing of Social Security benefits may affect the amount received.
- Confirm Medicare enrollment requirements and deadlines before employer coverage ends.
Social Security retirement benefits may generally begin between ages 62 and 70, but the amount can change depending on when benefits begin and the person's earnings record.
IPERS and Iowa public employment
Current and former Iowa public employees with IPERS-covered employment should contact IPERS directly for individual benefit information, retirement estimates and payment options.
IPERS is the authoritative source for confidential information about an individual IPERS account or retirement benefit.
Free Medicare counseling for Iowans
Iowa SHIIP and SMP provide free, confidential and unbiased Medicare counseling. Counselors can help Iowans understand Medicare options, compare coverage and recognize Medicare fraud.
Watch for job and retirement scams
- Verify unexpected job offers through contact information you independently locate for the employer.
- Never deposit a check and return part of the money to an employer, recruiter or equipment vendor.
- Do not pay someone who claims a fee is required to release Social Security, pension or unemployment benefits.
- Be cautious of unexpected investment offers, pension buyouts and high-pressure retirement seminars.
- Never give remote access to your computer or financial account to someone who contacts you unexpectedly.
Serious Illness, Disability & Caregiving
A serious illness, disability or new caregiving responsibility can affect health care, employment, finances, housing and daily decision-making. Begin by organizing important records and identifying the agencies and professionals responsible for each type of assistance.
Organize important information
- Keep a current list of medications, medical providers, allergies, insurance coverage and emergency contacts.
- Organize identification, insurance cards, benefit notices, medical bills and important financial records.
- Record the names and contact information of people authorized to receive medical or financial information.
- Keep written notes about appointments, agency calls and benefit applications.
- Store important documents securely while making sure an authorized person can access them during an emergency.
Health coverage and disability benefits
Depending on the circumstances, assistance may be available through an employer plan, Medicaid, Medicare, Social Security or another public-benefit program. Each program has separate eligibility and application requirements.
Applying for one program does not automatically apply for every other benefit. Confirm requirements directly with each responsible agency.
Decision-making and legal documents
Powers of attorney, health-care directives, guardianships and conservatorships have different legal purposes. A person should understand a document before signing it and should not be pressured to transfer authority, money or property.
- Consult an Iowa attorney about documents appropriate for the person's circumstances.
- Do not assume that being a spouse, child or caregiver automatically provides authority over another adult's medical or financial decisions.
- Use current court-approved forms when a guardianship or conservatorship proceeding is necessary.
- Keep records of transactions completed for another person.
Older-adult support, long-term care and abuse concerns
The Iowa Attorney General's Older Iowans pages provide the fuller guidance for aging services, Medicare counseling, long-term-care concerns, financial exploitation and reporting suspected abuse. Use those pages to identify the correct agency or support service without duplicating that guidance here.
If someone is in immediate danger, call 911.
Disaster, Emergency & Displacement
After a storm, fire, flood or other emergency, focus first on personal safety. Document damage, contact your insurer and use official sources to determine whether assistance is available.
Immediate steps after an emergency
- Follow evacuation orders and instructions from local emergency management and public-safety agencies.
- Do not enter a damaged building until authorities say it is safe.
- Photograph or record damage when it is safe to do so.
- Keep receipts for temporary housing, meals, repairs and emergency purchases.
- Make only temporary repairs necessary to prevent additional damage until the insurer has been contacted.
Insurance claims and documentation
- Contact the insurer using the number on the policy or the company's official website.
- Ask what documentation is required and whether an adjuster must inspect the property before repairs begin.
- Create an inventory of damaged or destroyed property.
- Keep copies of the claim number, estimates, receipts and all communications.
- Review contracts carefully before hiring repair, cleanup or restoration services.
State and federal disaster assistance
Assistance depends on the location, type of damage, household eligibility and declarations in effect. Disaster assistance is not a replacement for insurance and may not cover every loss.
Use official government websites when applying. FEMA does not charge an application fee.
Temporary housing and displacement
- Ask your insurer whether the policy includes temporary living expenses.
- Keep receipts for lodging, transportation, meals and other displacement-related costs.
- Confirm who owns or manages a temporary rental before paying a deposit.
- Notify financial institutions, employers, benefit programs and schools if displacement affects your address or access to mail.
- Use official postal services to forward mail when necessary.
Contractors and storm chasers
- Do not hire a contractor solely because the person appeared at your property after a disaster.
- Compare written estimates and verify references, registration and insurance when applicable.
- Do not sign over an insurance payment or agree to unnecessary financing.
- Avoid paying the entire project cost before work begins.
- Obtain written contracts identifying the work, materials, payment schedule and completion expectations.
Watch for disaster-related scams
- Government disaster workers will not demand payment to complete an application.
- Verify the identity of inspectors, adjusters and assistance workers.
- Do not provide personal information to someone who contacts you unexpectedly and claims you must act immediately.
- Report suspected contractor fraud, identity theft and fake disaster-assistance offers.
Military Life & Veteran Transitions
Deployment, a permanent change of station, separation and retirement can affect housing, employment, finances, education and benefits. Service members, veterans and families can obtain assistance through military, federal, state and county resources.
Permanent change of station and relocation
- Contact the installation transportation or relocation office after receiving orders.
- Confirm authorized moving services, weight limits, reimbursement rules and claim procedures.
- Photograph valuable property and maintain an inventory before the move.
- Keep copies of orders, contracts, receipts and communications with moving providers.
- Review school, child care, medical and special-needs resources before arriving at the new location.
Deployment and family preparation
- Review emergency contacts, dependent-care plans and access to important household records.
- Confirm whether legal documents or powers of attorney should be prepared or updated through military legal assistance.
- Review automatic payments, insurance, account access and communication plans.
- Make sure family members know how to contact installation and Military OneSource support.
Separating or retiring from military service
Transition planning should begin before the final separation or retirement date. Preserve service, medical and personnel records and review benefits before military coverage ends.
- Complete required transition and pre-separation counseling.
- Obtain copies of service-treatment and personnel records.
- Review health coverage, life insurance and retirement options.
- Ask about VA disability, education, housing and employment benefits.
- Keep the official discharge or separation documents in a secure location.
Benefits, legal protections, claims help and consumer concerns
The Iowa Attorney General's Veterans and Service Members page brings together Iowa benefit and local-service contacts, SCRA guidance, accredited claims assistance, federal military resources, and information about scams targeting service members, veterans and military families.