And, as a funeral director, you know everything that needs to be said to ease them through their situation. For families grieving, we know it can be daunting to be suddenly involved in death planning in the midst of mourning.
In addition to your compassionate calls with families, we’ve compiled a helpful list of To-Dos that you can add to your website for potential families who don’t know next steps and may find comfort in reading this information as they move through the planning stages to say goodbye to their loved one.
Feel free to copy and paste this list to your funeral home’s website and don’t forget to add your contact information at the bottom of your webpage.
What To Do When Your Loved One Dies
To help you get through this process, we’ve created a checklist of what actions you can take when your loved one dies. If you’re struggling to make decisions and complete tasks, we recommend you first call your funeral director and then reach out to family, friends, and possibly legal representatives.
What to Do Immediately
Here are some key decisions and actions to made immediately:
1. Notify The Authorities: If you need assistance with this, ask your funeral director. He can direct you and advise you about the specific requirements in your state, county and city. Generally speaking, if the deceased is in hospital, you can trust the medical authorities to perform this task for you. If he or she is under hospice care, simply call the hospice nurse, and they will take care of the necessary notifications. Otherwise, you will need to call 911 to notify authorities of the death. In this case, paramedics will transport your loved one to a hospital where death can be legally pronounced.
- If Someone Dies at Home: Ideally your loved one have made end-of-life arrangements, perhaps with the help of a hospice worker. If this is the case, arrangements for legally pronouncing the death and providing transportation for your loved one should go smoothly. If such arrangements have not been made, call your funeral director for help.
- DO NOT RESUSCITATE ORDER: Unless you have a do-not-resuscitate order, paramedics may attempt to resuscitate the person and take them to the emergency room to be legally pronounced dead by a doctor.
2. Contact Family And Friends: It’s important to notify people as soon as possible. Contact family members, close friends, and coworkers first. You can always get some people to reach out to others in their circle who also need to hear the news. You may also want to consider publishing a funeral notice in a local newspaper. A funeral director will be able to help you with this.
3. Organize Transport of the Body: If no autopsy is needed, the mortuary or funeral home can pick up your loved one’s body. It’s best of course if these arrangements have already been made ahead of time. However, the mortuary is required to give you accurate prices over the phone.
4. Locate Wills And/Or Funeral Plans: If you are aware of any will or plans for the funeral, it’s important to locate these as soon as possible.
5. Notify Employer: This step is important in order to determine what benefits or remaining pay he or she might be entitled to.
6. Begin Planning the Funeral: Choose a funeral home (if that hasn’t been done already) and begin making plans for readings, music, and speakers for the funeral service.
Another immediate decision which must be made is whether your loved one is going to be buried or cremated. There are pros and cons to either of these choices. If you do opt for burial, the funeral director can help you choose a grave marker that is appropriate. Whether you bury or cremate, you may want to still have a viewing of the body to give friends and family a sense of closure. When there is a viewing, your funeral director can assist you in deciding about whether to have the body to be embalmed.
What to Do Before the Funeral
If no plans have been made, this is where a lot of decisions have to be made. You’ll be able to go through everything with the funeral director or celebrant who is organizing the service.
Meet With the Funeral Director or Celebrant
You will need to think about what kind of ceremony you want. Maybe you want something very formal in a church, or perhaps you prefer a casual, laid-back event that takes place outdoors.
Another task that the funeral director can assist you with is writing an obituary for your loved one.
Paying For the Funeral
No doubt about it- the cost of funeral services can add up. The average cost of a funeral is between $6,000-$10,000. And most of this expense will have to paid up front. However, there are some steps you can take to minimize these costs and by working with a funeral director, you can set a budget and control your expenses together.
How Costs Can Be Covered
Your first step is to look into any plans made by your loved one ahead of time. Did they have a pre-paid funeral plan? If so, this should cover all or part of your costs. There are also specific types of insurance that your loved one may have purchased to cover funeral costs. Find out whether he or she purchased life insurance. There may also be burial insurance which is paid out directly to a beneficiary at the time of death. If your loved one was a veteran, they may be entitled to additional VA death benefits.
What to Do After the Funeral
Once the funeral or memorial service is over, you’ll need to move onto some of these important and time-sensitive tasks.
Here is a list of things to do when the funeral is over:
1. Get copies of the death certificate: You will need to get multiple copies of the death certificate from the funeral home. Your probate lawyer, insurance company, accountant, and other entities will need proof of your loved one’s death.
2. Contact Legal and Financial Entities: The following people need to be notified as soon as possible of your loved one’s death.
- Insurance companies: Terminate any existing policies, and initiate claims for life insurance or death/burial insurance.
- Probate attorney: An attorney’s help will be necessary to help you understand and navigate the probate process.
- Social Security: Any Social Security benefits must be stopped as soon as possible after your loved one dies to avoid expensive repayments.
- Banks: Change the names on any joint accounts and find out if you can access any safe deposit boxes. Your probate attorney can help you understand the best way to go about this.
- Utility companies: Avoid additional expense by cancelling utilities that are no longer in use.
- Department of Motor Vehicles: Cancel your loved one’s driver’s license as a precaution against identity theft.
- Credit card companies: Call the customer service number and close any open accounts.
- Decide what to do with your loved one’s cell phone: You may decide to keep it for a short time to be sure you have saved all the photos, any phone messages etc. that you want as a keepsake.
3. Remove Online Accounts: Each company will have documentation about the specific steps that need to be taken to remove password-protected accounts. Unattended email, cable and social media are a common target for identity theft and fraud, and should be closed out as soon as possible.
Since our inception, Osiris Software has been helping funeral homes, cemetery and crematory businesses prosper through innovative solutions and world class customer service.