🏢 Employer & Benefits

What Happens to Your Carta Account When You Die

CRITICALEquityStock Options
Contact the deceased's employer HR department first — they coordinate most of these benefits and can provide contact information for each plan administrator.

Quick Facts

Type

Equity Management / Cap Table

Urgency

URGENT — stock options may expire

Key Risk

Unexercised options can expire 90 days post-termination

Documents Needed

Death certificate, Letters Testamentary, grant agreements

Step-by-Step Guide

1

Contact employer immediately about equity

Stock options (ISOs and NSOs) typically have a post-termination exercise period of 90 days, which may also apply upon death. Contact the employer's HR or legal team immediately to understand the exercise window and prevent expiration of valuable options.

Estimated time: Within days — options may expire

2

Review all equity grants on Carta

If you can access the deceased's Carta account, review all equity grants: vested vs. unvested shares, exercised vs. unexercised options, exercise prices, and expiration dates. If you cannot access the account, request this information from the employer.

3

Determine if options should be exercised

Consult with the employer's legal team and a tax advisor to determine whether unexercised stock options should be exercised by the estate. Consider the current fair market value, exercise price, tax implications (ISO vs. NSO treatment), and the company's financial outlook.

Estimated time: Before exercise window closes

4

Transfer vested shares to the estate

For already-vested shares and exercised options, work with the employer and Carta to transfer ownership to the estate or beneficiaries. The company's transfer agent and legal team will handle the stock transfer process.

5

Understand RSU vesting policy

If the deceased had RSUs, check the company's RSU agreement for death provisions. Some companies accelerate vesting upon death, while others forfeit unvested RSUs. The grant agreement and company policy will govern this.

Document Now Checklist

  • Employer name
  • Carta login email
  • Number of vested shares
  • Unexercised stock options (number and exercise price)
  • RSU grant details
  • Exercise window expiration date
  • Grant agreement copies

Last verified: June 2026. Platform policies may change. Verify current procedures directly with Carta. This guide is for informational purposes only and does not constitute legal advice.

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