The death of a loved one is one of the most difficult moments we all have to face. The idea of no longer being able to share laughs and anxieties with the departed can be distressing and even overwhelming. The situation becomes even worse when, amid this whirlwind of emotions, the necessity arises to deal with the bureaucracy that follows the passing.
At these times, the best thing to do is to take a deep breath and focus on one task at a time. Here are the essential steps to take after a loved one passes away.
Before delving into official paperwork, there are a few immediate actions to consider. If the death occurred at home or in a private residence, ensure the property is secure. It’s also crucial to arrange for the care of any dependents or pets. These initial steps help create a stable foundation from which you can then address the more formal requirements.
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Register the Death
The first official step is to register the death of your loved one, which must be done within five days of their passing. You will need to visit the local Register Office with the Medical Certificate of Cause of Death, which is issued by a doctor. If available, also bring the birth certificate, marriage or civil partnership certificate, and NHS medical card. The registrar will record the details of the deceased and issue a Death Certificate, as well as a Certificate for Burial or Cremation. It is advisable to request multiple copies of the Death Certificate, as you will need them for various administrative tasks ahead.
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Inform the Relevant Organizations
Following registration, you need to notify relevant authorities and organizations. The fastest way to do it is by accessing the ‘Tell Us Once’ service. It allows you to report a death to most government organizations in one go. Additionally, you should contact banks, building societies, insurance companies, utility companies and pension providers.
Additionally, you should contact:
- Banks, building societies, and credit card companies.
- Insurance and pension providers.
- Utility companies (gas, electricity, water, and phone).
- The deceased’s landlord or local council if they rented a property.
- Online services and social media platforms to close or memorialize accounts, which helps protect their digital legacy.
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Organize the Funeral
Check if the deceased left any specific instructions or wishes regarding their funeral arrangements. These may be found in their will or expressed verbally to family members. Determine whether the deceased will be buried or cremated. This decision may be based on their wishes, religious beliefs, or family preferences.
If you are feeling overwhelmed or unsure of how to deal with anything, hire a funeral director. They can help with many aspects of the ceremony, from transportation of the body to organizing the service.
Choose a location for the service. This could be a place of worship, a home, a crematorium chapel, or another venue meaningful to the deceased or the family. Remember to organize transportation for the deceased. If using a funeral director, they will typically handle this. If not, you may need to hire a hearse or a suitable vehicle.
Decide on the type of service and who will officiate. You may choose a religious leader, a celebrant, or a family member. Plan the order of service, including readings, music, and any eulogies.
Select a coffin or urn. The funeral director can provide options, or you can purchase one independently.
Finally, inform friends and family about the funeral arrangements.
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Deal with Property and Assets
Handling the estate involves locating the will, if there is one, and applying for a Grant of Probate (if there is a will) or Letters of Administration (if there isn not a will). This includes valuing the estate, paying any debts and taxes, and distributing the estate according to the will or the rules of intestacy.
It’s important to manage debts and liabilities by informing creditors of the death and using estate funds to settle them, without using your own money.
Checking for life insurance and pensions involves contacting insurers and pension providers, providing necessary documents like the Death Certificate and policy details, and claiming any benefits due.
Notifying the Department for Work and Pensions (DWP) is important to stop any state benefits the deceased was receiving and to check if any bereavement benefits are due. Additionally, you need to inform HM Revenue and Customs (HMRC) to finalize tax affairs, pay any due taxes from the estate, and claim any overpaid tax.
If everything seems complicated, it’s because it is, but there is no need to worry. Probate solicitors in Liverpool can provide expert guidance and support throughout the entire process. Their abilities can be invaluable in ensuring that everything is done in compliance with the law.
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Seek Bereavement Support and Benefits
If you are struggling to cope with someone’s death, there is help available. Organizations like Cruse Bereavement Care and The Good Grief Trust offer free and confidential services, including one-to-one support, group sessions, and telephone helplines.
Additionally, the death can lead to unexpected expenses, such as funeral costs, legal fees, and the loss of household income. In such cases, there are several benefits and financial support available to help alleviate the burden.
The Bereavement Support Payment is a government-provided benefit designed to help with the financial impact following the death of a spouse or civil partner. This payment includes a lump sum followed by monthly payments for a set period.
Additionally, the Funeral Expenses Payment is available to assist with the cost of a funeral for those who receive certain benefits or tax credits.
For those raising children, the Guardian’s Allowance provides financial support if you are bringing up a child whose parents have died.
Remember, you are not alone, and there are professional services and organizations ready to support you through this difficult time. Whether you need practical advice, emotional support, or financial assistance, seeking help can make a profound difference in managing your grief and addressing your needs.
