How do I make out an employee's final paycheck to the beneficiary - rather than the deceased employee?

It's good to see you here in the Community, @affapodiatry.

I'll share information about creating a final paycheck for a deceased employee in QuickBooks Online (QBO).

QuickBooks doesn't allow you to create a final paycheck directly to the employee's beneficiary. You'll need to create the paycheck like a regular one, then mark the employee as deceased. 

However, before creating the paycheck, you must reach out to the state withholding and unemployment agencies for the deceased employee's state of residence to know how the wages and taxes are handled vary by state.

If you need to know more information about creating a final check, I suggest getting in touch with your accountant or a tax professional. This way, they can guide you properly in reporting the deductions for your deceased employees.

You may also want to run payroll reports in QBO. This will help you view useful information about your business and employees. 

Keep me posted if you have follow-up questions on creating a final check for your deceased employees. I'm always here to help.