Dealing with the loss of a loved one is difficult emotionally, but there are also many practical things that need to be handled. This process can feel overwhelming on top of grieving, so it's important to understand the key tasks that need to be taken care of and seek support when needed.
Register the Death
One of the first things you'll need to do when a loved one passes away is register the death. This should be done within 5 days in England and Wales, and within 8 days in Scotland. You'll need to make an appointment with the registrar of births, marriages, and deaths for the district in which the death occurred. The registrar will issue a Death Certificate and a Certificate of Registration of Death. Make several copies of the death certificate as you'll need to submit them for various administrative tasks.
Arrange the Funeral
If your loved one didn't leave instructions for their funeral, you'll need to make the arrangements according to their wishes if known, or your own if not. Decide whether it will be a burial or cremation. Select a funeral director who will transfer the deceased into their care, collect documents needed for the funeral, and help you plan the funeral service. Choose a burial plot or crematorium, decide on the coffin and gravestone, plan the format of service, create and print an order of service booklet, and send invitations.
Notify Organisations
There are various organisations and services that will need to be notified of the death. Contact the deceased's bank, mortgage provider, credit card companies, insurance companies, pension providers, utilities, and subscription services. Notify any government services providing benefits. Return the driving licence and cancel any driving related documents like car tax, insurance, and MOT to the DVLA. Inform the Passport Office to cancel passports. Notify HMRC about ending tax credits and child benefit. Close online accounts and memberships. The Tell Us Once service lets you report a death to multiple government agencies in one go.
Distribute the Estate
Once the funeral costs have been paid, the next step is distributing the estate according to the will or the Rules of Intestacy if there is no will. Apply for probate if it is needed to access assets like property, shares, or large bank accounts. Consult probate solicitors Cheltenham if this process isn’t something you feel comfortable doing. Pay off any debts owed by the estate. Calculate the estate value and inheritance tax due. Distribute gifts as outlined in the will. Cash bequests can be paid out. Property or other assets can be transferred to beneficiaries.
Seek Support
Losing a loved one can be emotionally devastating. Don't be afraid to lean on family and friends for support during this difficult time. Consider seeking bereavement counselling or joining a support group if you are struggling.
It's important to allow yourself time to grieve and not bottle up your feelings. Take care of your emotional health as you handle the many practical tasks.
