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What to Do After a Death

What Should You Do After the Death of a Love One?

125 Tasks After a Death Has Occurred

What to Do After a Death
125 Tasks After a Death of a Loved One

A. Secure Vital Statistics

  1. Full legal name, address, telephone number, and email address
  2. Religious name (if any)
  3. Date of birth
  4. Place of birth
  5. Marital status
  6. Name of spouse (if married)
  7. Spouse’s maiden name (if wife)
  8. Educational attainment
  9. Citizenship
  10. Father’s full legal name
  11. Father’s birthplace
  12. Mother’s name and maiden name
  13. Mother’s birthplace
  14. Full names, phone numbers, and addresses of all children, grandchildren, and/or great-grandchildren
  15. Acquire Social security number
  16. Obtain Veteran’s serial/service number
  17. Determine date and place of military service
  18. Date of military discharge
  19. Research how long at current residence and former residence(s)
  20. Occupation, job title, nature of work, and employment history
  21. Workplace name, address, phone number, and email address
  22. Ensure family origin

B. Pay Some or All of the Following

  1. Estate/Inheritance taxes
  2. Funeral and burial costs
  3. Purchase a family cemetery burial plot, estate, mausoleum, crypt, cremation niche, or other
  4. Permanent resting place
  5. Monument and marker engraving details
  6. Funeral Director
  7. Clergy
  8. Organist and vocalist
  9. Funeral Flowers
  10. Obituary
  11. Clothing preferences
  12. Long distance telephone service
  13. Food
  14. Transportation and removal costs
  15. Doctors
  16. Nurses
  17. Medical practitioners
  18. Ambulance
  19. Hospital or nursing home
  20. List of all medications and drugs
  21. Current and urgent bills (mortgage/rent, taxes, car payments, debts, utilities, etc.)

C. Collect Documents and Paperwork

  1. Last Will (check to see if any final wishes were specified)
  2. Prepare legal papers, death certificates, state permits
  3. Birth certificates and/or any legal forms of proof of age
  4. Citizenship papers
  5. Social Security card or number
  6. Marriage license
  7. Veteran’s discharge certificate
  8. Submit all insurance policies (life, funeral/burial, health, long-term care, etc.) and also necessary government forms
  9. Disability claims
  10. Bank books and listing of all accounts
  11. Records of other financial documents (outside of bank)
  12. Property deeds
  13. Cemetery deed or proof of ownership
  14. Auto titles or bill of sale
  15. Income tax returns, receipts, and cancelled checks

D. Decide and Arrange Within a Few Hours

  1. Make cemetery arrangements
  2. Secure interment space and location of burial disposition
  3. Arrange for opening and closing of the grave/mausoleum/crypt/estate/niche space
  4. Secure endowment care
  5. Arrange graveside committal service
  6. Secure use of cemetery chapel for committal prayers
  7. Decide on embalming and other preparations of the deceased
  8. Choose restorative art
  9. Funeral Home preference
  10. Location of funeral service
  11. Service type (religious, fraternal, military, etc.)
  12. Time and place of visitation and funeral service
  13. Arrange any special religious services
  14. Choose person and provide information for funeral eulogy
  15. Select from casket (open or closed?)
  16. Select outer burial container and/or burial vaults
  17. Select cremation urn and niche space (if cremation)
  18. Provide vital statistics of deceased for the newspaper obituary
  19. Choose clothing for the deceased
  20. Choose jewelry and glasses for the deceased
  21. Select cosmetology and hairdressing for deceased
  22. Selection of Scripture, readings, poems, etc.
  23. Choose preferred clergy to officiate
  24. Marking of grave (either temporary or permanent)
  25. Select memorial market/monument setting and inscription
  26. Select charitable contributions in memory of the deceased
  27. Register book, memorial/prayer cards
  28. Select pallbearers
  29. Floral arrangements and transportation (before and after)
  30. Select funeral music
  31. Organist, pianist, vocalist
  32. Arrange for funeral coach
  33. Arrange for limousine for family and pallbearers
  34. Arrange funeral car list for family and guests
  35. Clothing for you and children
  36. Decide who will look after children and/or pets
  37. House cleaning
  38. Extra chairs
  39. Transportation for family and guests
  40. Review and sign all paperwork (burial permits, etc.)
  41. Answer innumerable phone calls, emails, letters, and visitors
  42. Meet with Funeral Director, Cemetery Director, clergy, lawyer, CPA, financial advisor, insurance agent, etc.
  43. Arrange transportation and lodging for out-of-town guests
  44. Acknowledge and thank those who help in a special way (flowers, food, donations, etc.)
  45. Decide how many certified copies of death certificates to order
  46. Food for family and out-of-town relatives and guests
  47. Items for memento display and/or memorial board
  48. Decide on memorial video tribute production, pictures, music
  49. Arrange for writing thank you notes

E. Plan to Notify ASAP

  1. All family members
  2. All relatives
  3. All friends
  4. Minister and church
  5. Funeral Director
  6. Pallbearers
  7. Cemetery
  8. Doctor
  9. Employer of deceased
  10. Employers of relatives not going to work
  11. Organist, musicians, and vocalists
  12. Newspapers regarding obituary notices
  13. Social Security Administration
  14. Veterans Administration
  15. Insurance Agents and Financial Advisors
  16. Religious, fraternal, civic organizations and unions
  17. Attorney, accountant, financial planner, and executor of estate
  18. Credit card companies, mortgages, utility bills, etc.

Need more information or help?
Please contact us at info@funeralresources.com

Final Expense Insurance

Final Expense Insurance

Is it Ever too Late to Insure for Final Expenses?

You’ll be happy to know that it’s never too late to insure for final expenses; however, it’s not the type of purchase you make every day, so it’s always best to consult with a knowledgeable professional who can guide you towards the best choice for your circumstances. By its very definition, insurance is an agreement where someone pays a premium in exchange for a guarantee of compensation at an unknown future time of loss, like death.

With regard to purchasing insurance for final expenses, the general rule of thumb is to buy it when you are young and healthy. There is good reason for that.  Nearly all life insurance and final expense polices require some degree of underwriting. Generally, rates are based upon age and health, so older individuals will almost assuredly pay higher premiums.

What is Final Expense Insurance?

Final expense insurance policies are not one-size-fits-all. Here’s a quick preview of a few different types of policies:

  • Preneed Funeral Insurance – a policy, linked to a specific funeral service provider, that is in effect for your entire life once premiums are paid in full.
  • Final Expense Insurance – a policy that isn’t linked to a funeral service provider and can be either term or permanent insurance.
  • Burial Insurance – usually a term life insurance policy for a specified amount that is payable upon death to a named beneficiary.

Funerals are Expensive – and Prices Will Only Grow Higher

Few things are certain when planning for end-of-life expenses. However, one thing that is certain is that funeral expenses are increasing. According to the National Funeral Directors Association, the cost of a funeral with burial has risen 28.6% over the last decade. Considering  current funeral costs of about $10,000 and future rising costs due to inflation, you’ll want to consider purchasing a policy sooner rather than later. As with any type of insurance, there comes a point where the cost of insurance surpasses the benefit that it provides. That’s the point where wise consumers choose to self-insure from their personal savings or other assets.

What is the Best First Step?

How do you decide which plan to purchase or if it makes sense to buy one at all? This is the time that it makes sense to consult with a funeral insurance professional that specializes in final expense planning—one who can review your individual needs, present you with sensible options, and guide you towards the best decision for your family. The best time to make insurance decisions is when you are calm and clear-headed. Give yourself peace of mind in knowing that you already have a plan for final expenses, so that you can focus on more important things at a future time that is sure to be wrought with emotion.

Death, Organ Donor, and Organ Donation

Death and Organ Donation

Contributed by Elizabeth Hurlow-Hannah, 301.785.7619, elizabeth@yourexitstrategy.org

Birth and death are opposites, so why don’t we give them equal air-time? Just as talking about sex doesn’t make you pregnant, you won’t drop dead because you’ve talked about death and dying!

Diagnosed with Stage IIIA breast cancer in 2004, I’m assured that my soul will return to heaven whenever I die, but who can use my body?

My cousin, Mike, suffered a cerebral aneurysm while shopping, and the paramedics kept him alive to harvest his organs.

When Tom was diagnosed with Alzheimer’s disease at 64, he said, “Let me sign the papers to donate my brain to the Neurology unit to help someone else.”

Organ Donation:

These websites will bring you up to speed:

http://www.organdonor.gov at the U.S. Department of Health and Human Service

123,361 people are waiting for an organ 18 people will die each day waiting for an organ 1 organ donor can save up to 8 lives

Watch this five-minute video http://donatelife.net/understanding-donation/ to learn how the National Wait Transplantation works. Click on your state here: http://organdonor.gov/becomingdonor/stateregistries.html

Organ Donation/Transplantation:

United Network for Organ Sharing (UNOS) http://unos.org/is the private, non-profit organization that manages the nation’s organ transplant system under contract with the federal government.

Whole Body Donation for medical research and education:

Both organizations cover all costs: transportation; death certificates; cremation and return of cremains to your family.

Science Care www.sciencecare.com, 800.417.3747, info@sciencecare.com

MedCure, www.medcure.org, 866.560.2525, info@medcure.org

Query medical schools in your state: Is pre-registration necessary?

International Whole Body Donation:

If you die overseas, check with medical schools in that country about donation.

Read this article, The process of donating a whole body for medical research written by Sara Madsen, Editor in Chief for US Funerals Online. http://www.us-funerals.com/body-donation.html#.VMQNPS7uZ8o [Permission granted.

Check out the American Association of Tissue Banks (AATB) a professional, non-profit, scientific and educational organization. http://www.aatb.org

Be assured that all of these procedures are legal and ethical. No one removes body parts to sell on the black market. Ask yourself, “WHAT IF _________ developed an illness and was put on the transplant list? How would I react? What could I do to help?”

I signed up with MedCure in 2009, because it’s an even barter: they pay all costs associated with retrieving my body and using it for medical research; I avoid paying $7K-$10K in funeral costs —which adds a bump to my grandchildren’s educational fund. Isn’t this the best win-win situation?

Life’s never easy, sometimes not fair. We need to roll with the cards we’re dealt, even when it looks like a lousy hand.

How about you? What are you going to do? I’d love to hear your thoughts.

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