The 88 decisions that must be made when someone dies

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When someone dies, there are at least 88 decisions and action steps that need to be handled by survivors. Many of the decisions can be made in advance, which is why making prearranged funeral or cremation plans can be so helpful.

Gathering Information The first set of tasks involves gathering basic information known as vital statistics. This information is needed for burial and cremation permits, and filing the death certificate with the State. A death certificate must be issued before matters of an estate can be handled. This information needs to be carefully verified and provided to the funeral home, who will submit the information to the State and secure the death certificates for you.

Notifications You will want to notify a number of people as soon as possible when a loved one dies, including relatives, doctors, the funeral home and cemetery, your loved one’s friends, employer, and professionals like their insurance agent, attorney and accountant or executor of the estate. Additionally, it is good to notify any organizations they belonged to, and if you can access their social media accounts, you may put out a message there as well. Having these individuals and organization written down in one place ahead of time makes this project much easier.

Funeral Arrangements After you select a funeral home, there will be many decisions to make concerning services and memorials. This includes the location and time of the visitation and ceremony, and the order and components of the service, including those who will speak or perform, special music or readings, flowers, military funeral honors, etc. You will also select merchandise such as a casket, urn or vault. The funeral director will help you write an obituary about your loved one’s life for the newspaper and/or sharing online. Additionally, you can select a charitable organization to receive memorial donations in your loved one’s memory. Cemetery arrangements will also need to be made concerning burial or inurnment.

Hospitality If you have family members and friends traveling in for the services, there will be a number of things to coordinate with them, including lodging, transportation, meals and childcare. You will no doubt receive many phone calls, cards and social media messages of support, so you will want to keep track of these and respond when you are able.

On the day of the visitation and services, you will meet with the funeral home staff to ensure that everything is ready and then receive your guests. After services conclude, you may have additional hospitality activities related to family and friends who have gathered.

Financial Matters There will be financial matters to settle with the funeral home, cemetery (if applicable) and others who assist with the services, including officiants, musicians, florists and caterers. In addition, your loved one may have mortgage payments, auto loans, phone and utility bills, healthcare expenses and other financial matters to settle, which can take some time. You will need to collect additional documents, noted below, to establish your right to make decisions related to property and benefits.

If this all sounds overwhelming, it definitely can be. That is why we recommend planning out as much in advance as possible. You don’t have to wait until you are elderly or ill to make these plans – it is really never too early to get started. Once you get the basics established, it is simple to update your information when life circumstances or your preferences change.

Below is the full list of the 88 Decisions that must be made when someone dies. As we mentioned, many of these matters can be handled in advance, and you will find these noted with an asterisk. Please give us a call today to see how we can help you create an advance funeral or cremation plan. Funding options are available, or you can simply make a written record of your wishes. We are always here to help.

I. Secure Vital Statistics (Required for burial permit)

*1. ____Name, home address and telephone number

*2. ____How long in state

*3. ____Name of business, address and telephone number

*4. ____Occupation and title

*5. ____Social Security number

*6. ____War Veterans Serial number

*7. ____Date of Birth

*8. ____Place of Birth

*9. ____Citizenship

*10. ____Father’s name

*11. ____Father’s birthplace

*12. ____Mother’s maiden name

*13. ____Mother’s birthplace

*14. ____Religious name (if any)

II. Pay Some or All of the Following

*15. ____Family burial estate

*16. ____Memorials

*17. ____Funeral home

*18. ____Interment service

19. ____Clergy

20. ____Florist

21. ____Clothing

22. ____Transportation

23. ____Telephone bill

24. ____Food

25. ____Doctors’ bills

26. ____Home healthcare bills

27. ____Hospital and ambulance bills

28. ____Medicine and drug bills

29. ____Other current and urgent bills (mortgage or rent, taxes, installment payments)

III. Collect Documents (Required to establish rights for insurance, pensions, social security, ownership, relationship, etc.)

*30. ____Will

*31. ____Legal proof of age or birth certificate

*32. ____Social Security card or number

*33. ____Marriage license

*34. ____Citizenship papers

*35. ____Insurance policies (life, health and accident, property)

*36. ____Bank books

*37. ____Deeds to property

*38. ____Bill of sale of car

*39. ____Income tax returns, receipts or canceled checks

*40. ____Veterans discharge certificate

*41. ____Disability claims

*42. ____Cemetery Certificate of Ownership

IV. Decisions and Arrangements

*43. ____Select funeral home

*44. ____Choose funeral service and burial/cremation options

*45. ____Select burial estate location and which space to open

*46. ____Choose memorial type and inscription

*47. ____Select casket and/or urn type

*48. ____Select clothing for deceased

*49. ____Choose vault or sectional crypt

*50. ____Select type of service (religious, military, fraternal)

*51. ____Choose special selection from scriptures

52. ____Select clergy to officiate

*53. ____Select place where service is to be held

54. ____Select time for funeral service

*55. ____Decide charitable organization to which donations are suggested in memory of deceased

56. ____Provide information for eulogy

*57. ____Select pallbearers

58. ____Select flowers

*59. ____Select music

60. ____Choose clothing for family

61. ____Prepare at home, including food for family and guests

62. ____Obtain extra chairs

63. ____Arrange transportation for family and guests, including planning funeral car list

64. ____Check and sign necessary papers for burial permit

*65. ____Provide vital statistics about deceased to funeral home

*66. ____Provide addresses and telephone numbers for relatives and friends

67. ____Answer innumerable sympathetic phone calls, messages, cards and letters

68. ____Meet and talk with funeral director, cemetery representative and clergy

69. ____Greet all friends and relatives who call

70. ____Arrange for meeting relatives who arrive from out-of-town at airport

71. ____Provide lodging for out-of-town relatives and friends

72. ____Make list of callers and floral tributes sent for mailing cards of thanks

*73. ____Arrange for special religious services

*74. ____Check will regarding special wishes

75. ____Order death certificate

76. ____Look after children

V. Notify As Soon As Possible

77. ____Doctor or doctors

78. ____Funeral home

79. ____Cemetery

80. ____All relatives

81. ____All friends

82. ____Employer of deceased

83. ____Employers of family members missing work

84. ____Pallbearers

85. ____Insurance agents (life, health and accident)

86. ____Religious, fraternal, civic, veterans organizations, unions and deceased’s social media accounts

87. ____Newspapers regarding notices

88. ____Attorney, accountant or executor of estate

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Navigating Thanksgiving After Loss: Finding Peace in Gratitude Through Grief

November 18, 2024

Thanksgiving can be challenging when you’re grieving. A holiday centered on gratitude, family gatherings, and celebration can seem daunting when someone close to you is no longer there. The traditions that used to bring warmth might now feel empty, and feelings of sadness, anger, or confusion may overshadow gratitude. But in times of loss, Thanksgiving can also offer a unique opportunity to remember, honor, and slowly begin healing. Here are some gentle ways to approach Thanksgiving after losing a loved one, allowing space for both grief and gratitude. 1. Acknowledge Your Feelings It’s okay if you’re not feeling grateful or festive this Thanksgiving. Loss can bring waves of complex emotions, and it’s essential to honor these feelings without judgment. Grief isn’t linear; it shows up in unexpected ways and doesn’t always align with holiday expectations. Allow yourself to feel however you need to, whether it’s sadness, anger, or even numbness. Give yourself permission to experience Thanksgiving differently this year. 2. Create Space for Remembrance Thanksgiving can be a beautiful opportunity to honor your loved one’s memory. Consider setting a place at the table for them, lighting a candle, or making their favorite dish. Invite others to share stories about your loved one, reflecting on the joy they brought to your lives. By creating space for their memory, you’re not only honoring them but also integrating their presence into your traditions. 3. Embrace New Traditions After a loss, it can be painful to follow the same rituals and traditions. Instead, try exploring new traditions that feel right for you. Maybe this Thanksgiving, you decide to spend time in nature, volunteer at a shelter, or have a smaller, quieter meal with close friends or family. New traditions don’t erase the old ones—they’re ways to adapt to your current emotional landscape and honor your needs during this time. 4. Connect with Others Who Understand Grieving can often feel isolating, especially during a holiday centered around togetherness. If you have friends or family who are also experiencing loss, reach out and connect with them. If that’s not possible, consider looking into local support groups or online communities where people share similar experiences. Knowing you’re not alone in your grief can be comforting, and the shared understanding can bring a sense of community that’s especially healing during the holidays. 5. Focus on Small Moments of Gratitude Gratitude may feel difficult or even impossible to access when grieving, but it doesn’t have to be about grand gestures or feelings. Instead, focus on small, quiet moments that offer peace or comfort, such as a beautiful sunset, the warmth of a cozy blanket, or a kind word from a friend. These small things can provide a gentle reminder that joy can still coexist with sorrow. 6. Give Yourself Permission to Skip or Scale Back the Celebration You might feel pressured to put on a brave face or participate fully in Thanksgiving traditions, but it’s okay if that’s not where you’re at this year. Give yourself permission to set boundaries and skip or scale back on what feels overwhelming. Grief doesn’t follow a holiday schedule, and it’s okay to take a step back to care for yourself. Loved ones will understand if you need a little more space or choose to spend the holiday differently. If Thanksgiving feels especially hard this year, remember you’re not alone. Grief is a testament to love, and by finding ways to celebrate, you’re honoring the love that still lives on within you. May this Thanksgiving bring you moments of comfort, the warmth of cherished memories, and the quiet understanding that healing is a journey you don’t have to walk alone.

Exploring Different Types of Grief Support and Finding Local Resources

November 4, 2024

Grief is a universal experience, yet each person’s journey through it is unique. Whether we’re grieving the loss of a loved one, a significant life change, or even the end of a cherished relationship, the support we receive can make a crucial difference in how we heal and move forward. Various types of grief support offer different benefits and understanding what’s available is the first step to finding what works best for you. Here’s an overview of different types of grief support and tips on finding local resources. Individual Therapy What It Is: Individual therapy, usually with a licensed therapist or counselor, is a one-on-one experience tailored to your personal grief journey. Therapists help you process feelings, manage symptoms of depression or anxiety, and develop coping strategies for day-to-day life. Benefits: This support is highly personalized and can adapt over time to meet your evolving needs. Many therapists specialize in grief counseling and can offer specialized techniques like Cognitive Behavioral Therapy (CBT), which helps reframe negative thoughts, or grief-specific techniques to process loss. How to Find It Locally: Search online directories like Psychology Today or TherapyDen, which allow you to filter by specialty and location. Your primary care doctor or local hospital may also provide referrals to grief therapists nearby. Support Groups What They Are: Grief support groups are gatherings of people who are all dealing with loss. They’re typically led by a counselor or trained facilitator and offer a safe space to share experiences, give and receive support, and learn coping strategies. Benefits: These groups help to reduce feelings of isolation and allow for mutual support among participants. Many find comfort in being able to relate to others who truly understand their loss, creating a strong sense of community. How to Find It Locally: Local community centers, hospitals, or religious organizations often host grief support groups. You can also find directories through organizations like GriefShare, which lists groups worldwide, or through the National Alliance for Grieving Children if you’re seeking support for younger family members. Online Grief Support Communities What They Are: Online support communities provide 24/7 access to support networks through forums, chat rooms, and video groups. These platforms can range from general grief support forums to specialized groups focusing on specific types of loss (e.g., losing a spouse, child, or dealing with prolonged illness). Benefits: Online support is ideal for those who may not have access to local resources, have difficulty with transportation, or prefer anonymity. You can also access support anytime, making it a flexible option. How to Find It Locally: Even if your group is online, joining a local group can be helpful for occasional in-person meetups. Websites like Grief In Common or The Compassionate Friends offer both online and local chapters, making it easy to connect with people nearby. Books and Self-Help Resources What They Are: Books, workbooks, and online courses can provide self-directed support for those who prefer to work through their grief independently. Many of these resources provide exercises, coping strategies, and stories from others who have navigated grief. Benefits: Self-help resources offer flexibility and privacy. They can be particularly useful for people who are beginning to explore grief or want supplementary support alongside other therapies or group work. How to Find It Locally: Libraries, bookstores, and online platforms like Audible or Kindle Unlimited offer a range of grief-related materials. Many therapists or grief organizations provide recommendations, or you can check popular titles like On Grief and Grieving by Elisabeth Kübler-Ross for trusted insights. The journey through grief doesn’t have to be walked alone. Finding the right type of support and connecting with resources can provide essential comfort, perspective, and healing. Whether you seek the company of others, prefer a one-on-one approach, or are drawn to creative expression, there is support out there to help you through. Don’t hesitate to reach out—healing is within reach.

Exploring Cemetery Options for Cremation

October 14, 2024

Exploring Cemetery Options for Cremation Cremation has become an increasingly popular choice for handling a loved one's remains. Its flexibility, lower cost, and eco-friendly nature appeal to many people. However, deciding on cremation is only the first step. A common question that follows is, "What are the cemetery options for cremated remains?" Whether you're planning ahead for yourself or making arrangements for a loved one, it’s essential to understand the various options available. Here’s a guide to help you explore the different cemetery options for cremation: Columbarium Niches A columbarium is a structure designed to hold urns containing cremated remains. It is often located within cemeteries or churches. These structures typically have designated niches where urns are stored. Families can choose from a variety of niche options, including single, companion (for two urns), or family-sized niches. Why Choose This Option? Allows family members to visit a specific place. Niches can be personalized with plaques or engravings. A good option for those seeking a permanent, above-ground resting place. Cremation Gardens Many cemeteries now offer dedicated cremation gardens, beautifully landscaped areas where cremated remains can be interred. These gardens often have various options such as individual plots, communal scattering areas, or urn vaults. Why Choose This Option? These gardens provide a serene and natural setting. Aesthetic appeal for those who prefer being surrounded by nature. Multiple memorialization options available (plaques, markers, etc.). Urn Burial (In-Ground Burial) For families who prefer a more traditional approach, cremated remains can be buried in the ground, similar to casket burials. Urn burials usually take place in designated cremation sections of a cemetery, and many cemeteries offer urn vaults to protect the urn. Why Choose This Option? Allows for a traditional cemetery plot and grave marker. Offers the permanence and tradition of an in-ground burial with a smaller environmental footprint. Family members can easily visit and tend to the gravesite. Scattering Ceremony If your loved one requested their remains be scattered in a specific location, you always have the option to host a scattering ceremony with your loved ones. Why choose this option? Can be of importance to the deceased and become a location you and your family can visit. Very personal experience. Lowest cost option. Cremation offers a wide range of cemetery options that allow families to memorialize their loved ones in a way that feels personal and meaningful. Whether it’s a columbarium niche, a peaceful cremation garden, or an eco-friendly green burial, there are options for every preference and budget. When making this decision, consider what feels most meaningful to you and your family, keeping in mind the lasting tribute you want to leave for future generations.

First Steps to Take After a Loved One Has Passed Away

October 8, 2024

First Steps to Take After a Loved One Has Passed Away Losing a loved one is one of the most challenging experiences a person can face. The grieving process is personal and unique, often accompanied by feelings of shock, confusion, and overwhelming sadness. However, amidst these emotions, certain practical steps must be taken in the immediate aftermath to ensure that legal and personal matters are handled appropriately. Here is a guide to help you navigate the first steps after a loved one passes away. Take Time to Process the Loss The first and most crucial step is to allow yourself a moment to process the loss. Experiencing a range of emotions is entirely normal, and you may need to reach out for support from family, friends, or even professionals. Notify Close Family and Friends Begin by informing immediate family members and close friends about the passing. Contact the Appropriate Authorities If your loved one passed away at home, you will need to contact the appropriate authorities to confirm the death. A medical professional will need to declare the death and provide a formal pronouncement, which is necessary for obtaining a death certificate. Arrange for Transportation of the Body After the death is confirmed, you will need to arrange for the body to be transported to a funeral home or crematory. If your loved one had pre-arranged plans for their final arrangements, follow those instructions. If not, you will need to choose a funeral home yourself. The funeral home staff can guide you through the initial steps, including the transportation of your loved one. Obtain the Death Certificate A death certificate is a legal document that officially confirms the death of your loved one. You will need multiple copies of the death certificate for various purposes, such as settling the estate, closing accounts, and accessing benefits. The funeral home often assists in obtaining this document, but you can also request it from your local vital records office. Review Existing Wishes or Pre-Arrangements If your loved one left behind a will, living trust, or other pre-arrangements, it’s important to locate these documents early in the process. They may contain instructions for funeral or memorial arrangements, as well as information about the handling of the estate. The existence of these plans can provide guidance during a difficult time and help prevent disagreements among family members. Notify Key Parties and Institutions Begin notifying key parties about the death. Here are some of the individuals and institutions you may need to inform: Employer : Notify your loved one’s employer if they were still working. They may need to process final payments, pensions, or other employment-related matters. Insurance Companies : Contact life insurance companies to begin the claim process. Social Security Office : Notify the Social Security Administration if your loved one was receiving benefits. Banks and Financial Institutions : Inform banks, investment firms, and any other financial institutions about the death to freeze accounts and prevent fraudulent activity. Utilities and Subscription Services : Gradually contact utilities, credit card companies, and other subscription services to close accounts or change billing information. Plan the Funeral or Memorial Service The funeral or memorial service is a meaningful opportunity to honor your loved one’s life. You may choose a traditional funeral, a private memorial, or another type of gathering that reflects their wishes and personality. Collaborate with other family members to determine how you would like to proceed and reach out to a funeral home to help coordinate the arrangements. If your loved one expressed specific desires for their service, do your best to respect those wishes. Begin Settling the Estate The process of settling your loved one’s estate can be complicated, depending on the size and complexity of their assets. If there is a will, it typically designates an executor who is responsible for managing the estate. The executor will need to: Locate Assets and Debts : Identify all assets, debts, and accounts in your loved one’s name. File the Will : File the will with the local probate court if required. Work with an Attorney : You may want to hire an estate attorney to assist with probate and legal matters, especially if the estate is large or contains unique assets. Pay Debts and Taxes : Use estate funds to pay off debts, taxes, and other obligations. The passing of a loved one is a extremely difficult experience that requires both emotional and practical steps. By notifying family, making appropriate arrangements, securing necessary documents, and seeking support, you can take care of the most immediate responsibilities while giving yourself space to grieve. Remember that you do not need to navigate this journey alone; lean on those who care about you, and seek help when needed. This process is not easy, but step by step, you can honor your loved one’s memory while finding a way forward.