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Losing someone close to you can be incredibly difficult, and if you’re responsible for handling funeral arrangements and personal affairs, the experience is often overwhelming. If this applies to you, here’s a death notification checklist of things that need to be taken care of after someone passes away. Note that some of these items can only be managed by the executor of a person's estate, so if this isn't you, it's generally a good idea to work closely with the person who is. This checklist is ideal for family survivors, for those looking for what to do after the death of a parent, or after the death of a spouse, step by step.
When someone experiences the death of a spouse or parent or another loved one, an after-death checklist can be incredibly helpful. After experiencing a death, most individuals can feel overwhelmed, emotionally exhausted, mentally exhausted, and even physically unable to perform basic tasks. Individuals are often suddenly faced with questions they've never even considered the answer to.
When you add in the grief, the practical affects of a death, the amount of tasks that need to be handled, and the need to often maintain a "normal" handle on personal responsibilities in life, it becomes extremely difficult for even the most knowledgeable and organized individuals to deal with. That's where a checklist can come into play as a useful resource. Not sure what to do after the death of a spouse? Parent? Military retiree? Ever Loved's death checklist is available as a PDF and as an always-online tool that you can access whenever you need.
Referencing a checklist for a death in the family is a good way to ensure you've covered all the bases you need to. Many families and individuals have no idea where to start when someone dies. They're often stuck wondering, "What do you do when someone dies?" Many may be surprised to learn that there is a long list of things to do when someone dies. This is where an after death checklist of responsibilities can come in handy after a death. Keep in mind that some of these will differ depending on your relationship to the person who passed away. For example, what to do when a parent dies and you are the executor will differ from what to do when a spouse dies -- some tasks on a death checklist are only able to be handled by the executor. If you're unsure what to do when someone dies at home, are looking for a checklist, and you aren't the executor, it's important that you first get in touch with the executor to ensure you're handling things that you're legally able to handle.
For a full checklist of what to do when someone dies, use Ever Loved's post-death checklist. Whether it's the death of a parent, sibling, or spouse, this checklist will come in handy. If you're worried about what not to do when someone dies, this checklist can also help you understand the path forward so as to better understand the path not to take.
Get a legal pronouncement of death. If your loved one died in a hospital, a doctor can take care of this for you. However, if your loved one passed at home or in another location, you'll need to know who to call. If he or she passed away while in hospice care, call your hospice nurse. If your family member wasn’t at a hospital or in hospice, call 911.
Arrange for organ donation, if applicable. Check your loved one’s driver’s license and/or advance directive to see if he or she was an organ donor. If so, let hospital staff know immediately (or call a nearby hospital if your loved one died at home). Organ donation is time-sensitive, so this is one area where it’s important to act quickly.
Notify close friends and family. Every family is different, and there’s no one right way to do this. For some families, sharing the news in-person or over the phone is critical. For others an email or text message may be alright. If possible, split up the task between several family members.
Decide what you’d like to do with your loved one’s body and arrange transportation. First, check to see if your loved one expressed any wishes about final disposition or had made prepayments to a funeral home or cemetery. Ideally, there will be documentation with other medical documents. If no wishes or plans have been stated, you have three main options:
Arrange care for any pets or dependents. If your loved one was responsible for caring for one or more people or pets, quickly find someone who can care for them temporarily while you figure out a long-term plan.
Secure major property. If your loved one lived on their own, make sure his or her home and any vehicles are locked up. If it will sit vacant for some time, consider notifying the landlord and/or the police, so they can help to keep an eye on it.
Notify the person’s employer. If the deceased was employed (or actively volunteering), call to let them know that your loved one has passed away. This is also a good time to ask about pay owed, benefits and life insurance.
Notify the broader community.
Research COVID-19 funeral restrictions and guidance for your area. Laws and safety recommendations for funerals during the COVID-19 pandemic are constantly being updated, so it's a good idea to have a firm understand of what you should and shouldn't do before starting to put together funeral plans.
Decide on funeral plans. If you decided to work with a funeral home, get in touch with the funeral director to go through your options. (While COVID-19 is still prevalent, it's better to do this over the phone, instead of in person.) If you opted for an immediate burial (burial without a view or funeral beforehand), cremation or donation to science, you may also choose to hold a memorial service or celebration of life at a later date. Some people prefer this in order to give themselves more time to plan a meaningful event when they’ve had a little more time to process the death. It's also becoming more popular to postpone the service, so that a bigger gathering is possible once COVID-19 is less of a risk. If you're looking for memorial event ideas, we've listed a few to help you get started.
Order a casket or urn. Historically, most people purchased caskets and urns directly through their funeral home, usually paying a substantial markup. However, with the emergence of online shopping, it's easy to cut your costs roughly in half by purchasing a casket or urn online. Ever Loved offers a wide selection of high-quality caskets and urns at affordable prices.
Ask the post office to forward mail. If the person lived alone, this will prevent mail from piling up and showing that the property is occupied. The mail may also help you identify bills that need to be paid and accounts that should be closed. You’ll need to file a request at the post office and show proof that you are an appointed executor and authorized to manage his or her mail. Read more on the USPS website.
Perform a more thorough check of the person’s home. Throw out any food that will expire, water plants, and look for anything else that may need regular care.
Create a memorial website. A memorial website will make it easy for you to share a death announcement and any funeral plans with a larger circle of people. This can become your primary place to share important information with everything.
**Notify the broader community. ** Inform friends, extended family, neighbors, and other relevant community members about the passing of your loved one. This can be done through personal calls, emails, social media posts, or an obituary in local newspapers to ensure that those who knew the deceased are informed of the situation.
Start going through the mail. Begin the process of sorting through the deceased person's mail to identify important documents, bills, subscriptions, or any outstanding matters that require attention. This step helps in managing the deceased's affairs and prevents important correspondence from being overlooked.
Sign up for the DDNC list. Register the deceased person's name and address with the Deceased Do Not Contact (DDNC) list to minimize receiving unwanted solicitations, advertisements, or marketing materials addressed to them after their passing. This can help reduce unnecessary reminders of the loss and administrative tasks for the family.
Settle any trusts. Work with legal and financial advisors to settle any trusts established by the deceased, ensuring that assets are distributed according to their wishes and in compliance with legal requirements. This may involve reviewing trust documents, identifying beneficiaries, and overseeing the transfer of assets as specified.
Get additional support. Seek emotional support from friends, family members, support groups, or mental health professionals to help cope with the loss and navigate the practical challenges of handling affairs after a loved one's death. It's important to recognize when additional support is needed and to reach out for assistance during this difficult time.
Write an obituary. Draft an obituary for your loved one and get feedback from friends and family. If you’re not sure where to start, try using an obituary template. Once it’s complete, determine whether you’d like to pay to have it published in your local newspaper. Be prepared to spend a few hundred dollars if you'd like to publish it in the paper, but remember you can always publish an obituary online for free.
Write the eulogy. Prepare a heartfelt and meaningful tribute to the deceased for use during the funeral or memorial service. The eulogy may include personal anecdotes, memories, achievements, and reflections on the person's life, character, and impact on others.
Determine whether you’ll need financial assistance. The average funeral costs about $9,000, which is an enormous burden on many families. While there are many ways to save money on a funeral, you may want to consider financial assistance. Crowdfunding campaigns for funerals are increasingly common, and you can set up a free funeral fundraiser on your memorial website on Ever Loved.
Look into veterans’ benefits. If your loved one was a veteran, you may be able to get financial assistance with the funeral or burial. Find more information on the VA website.
Choose funeral participants. If you want friends or family members to give eulogies, do readings, sing, be pallbearers or participate in another fashion, reach out and discuss this with them.
Set the funeral schedule. Determine the time and place for any events, and for structured events (such as a formal service), write down an ordered list of everything that will happen.
Determine the order of events. Plan the sequence of events for the funeral, memorial service, or any other ceremonies or gatherings held in honor of the deceased. This involves deciding on the timing, location, format, speakers, and other logistical details to ensure a respectful and meaningful commemoration of their life.
Create any desired videos. Produce or compile videos featuring photographs, videos clips, music, or other elements that capture special moments, memories, and aspects of the deceased person's life. These videos can be played during the funeral or memorial service as a tribute and remembrance.
Determine whether you'd like to livestream the service. With the risks associated with COVID-19, many people will be unable to or choose not to attend a live service. As a result, many people are choosing to livestream funeral events, so friends and family can participate from home. You can set this up yourself with Zoom, Youtube or Facebook Live. Your funeral home may also have a streaming option available, but they're likely to charge extra for this.
Order printed materials and flowers. If you want programs, prayer cards, flowers or other items at the service, order them a few days in advance. You can often order them directly through the funeral home, which will minimize coordination on your part, but you’ll often be able to find a better deal by shopping around. While COVID-19 remains a threat, consider skipping printed materials, and post the information online, instead. A memorial website can act both an online funeral program and a guest book.
Coordinate food and drinks, if desired. It’s not uncommon to have food available at a funeral reception or celebration of life. You may choose to provide food yourself, work with a caterer, have a potluck, or hold the event at a restaurant where guests can purchase their own food and drinks. Any of these options are completely acceptable and just depend on your personal preference. However, while COVID-19 is still prevalent, it's better to opt for single serving items or pass on food entirely, as eating requires people to remove their masks. If you do choose to serve food, doing so in an outside environment is safer.
Spread the word. An online funeral announcement is often the easiest way to share event details with friends and family. For older folks who may not use the internet regularly, you can send a paper funeral announcement or arrange for people to call them and let them know.
Order a headstone. Arrange for the design, production, and installation of a headstone or grave marker to commemorate the deceased's final resting place. This permanent marker serves as a tribute to their memory and provides a place for loved ones to visit and pay their respects.
Order several copies of the death certificate. You’ll likely need anywhere between 5 and 10 copies (but possibly more), depending on the accounts that your loved one had open. Your funeral director may be able to help you order them, or you can order them yourself from city hall or another local records office.
Start the probate process with the will. After death, searching through documents should be checked off your checklist. Here's what to do with a will when someone dies: If the estate is relatively small, doesn’t contain unusual assets and isn’t likely to be disputed by family members you may be able to handle it on your own. However, it’s worth considering whether you should hire a probate lawyer to help. If you’re unsure, here’s some helpful information that may guide your decision.
Contact the Social Security office. Your funeral director may have already done this, so find out if this is the case. If you need to contact social security yourself, you can reach them by phone at 1-800-772-1213. Through Social Security you may be able to apply for survivor benefits. Visit the Social Security website to learn more about their process and find any forms that you may be required to fill out.
Notify any banks or mortgage companies. If you’re unsure of what accounts your loved one held, use their mail and any online accounts you have access to in order to identify what accounts may be open. Then, take copies of the death certificate to each bank and change ownership of the accounts. You may need a court order to open and inventory a safe deposit box if a key isn’t readily available.
Notify any car lenders. Inform the relevant financial institutions or lenders about the death of the individual if they had outstanding car loans or leases. This step ensures that appropriate arrangements can be made regarding the vehicle, such as transferring ownership or settling any outstanding debts.
Notify cable and internet provider(s). Contact the cable and internet service provider(s) to notify them of the deceased's passing and to arrange for the cancellation or transfer of services as needed. This prevents unnecessary billing and helps manage the deceased person's accounts and obligations.
Notify the cell service provider. Inform the cell service provider about the death of the account holder to cancel or transfer the cell phone service plan and prevent any unauthorized usage or billing. This step helps manage the deceased person's accounts and responsibilities.
Notify utility companies. Contact the relevant utility companies, such as electricity, water, gas, and garbage services, to notify them of the death and to make arrangements for the closure or transfer of utility accounts. This ensures that billing is properly handled and prevents unnecessary charges.
Cancel online subscriptions. Review and cancel any online subscriptions, memberships, or recurring payments associated with the deceased person's accounts to avoid ongoing charges and to manage their digital footprint. This may include streaming services, software subscriptions, or online publications.
Cancel physical subscriptions. Cancel any physical subscriptions, such as magazines, newspapers, or mail-order services, that were registered in the deceased person's name to prevent continued deliveries and charges. This helps manage their affairs and avoids unnecessary reminders of the loss.
Reach out to any financial advisors or brokers. Try to identify any additional financial and investment accounts that your loved one held. Work with each one to transfer ownership. You’ll likely need a death certificate for each account.
Contact a tax accountant. You’ll need to file a return for both the individual and the estate.
Notify life insurance companies. Fill out the claim form for any life insurance policies that the deceased had. Also, suggest that friends and family who may have listed your loved one on their own life insurance policies update theirs.
Cancel insurance policies. This could include health insurance, car insurance, homeowner’s insurance or anything else. Depending on the policy, reach out to either the insurance company or your loved one’s employer to stop coverage. If the deceased was on Medicare, the Social Security office will inform them of the death, but if your loved one had Medicare Prescription Drug Coverage (Part D), a Medicare Advantage plan and/or a Medigap policy, you need to call each yourself to cancel.
Determine any employment benefits. If your loved one was working at the time of their death, contact his or her employer to find out about union death benefits, pension plans and credit unions.
Identify and pay important bills. Make a list of bills that are likely to be due (e.g. mortgage, car payments, electricity), and do your best to track them down via the person’s mail and online accounts. Set up a plan to ensure these bills continue to be paid on time.
Close credit card accounts. Leverage your loved one’s mail, wallet and any online accounts you have access to in order to identify open credit card accounts. For each one, you’ll likely need to call customer service and then email or mail a copy of the death certificate.
Notify credit reporting agencies. Provide copies of the death certificate to Experian, Equifax and TransUnion in order to minimize the chances of identity theft. It’s also a good idea to check your loved one’s credit history in another month or two to confirm that no new accounts have been opened.
Cancel the person’s driver’s license. This will also help to prevent identity theft. Go online or call your state’s DMV for instructions. Have a copy of the death certificate ready. Notify the local election board. This helps reduce the risk of voter fraud in your area.
Memorialize your loved one's Facebook account. If your loved one was on Facebook, you can memorialize their account. This will let current friends continue to post and share memories but will keep anyone from logging into it in the future.
Close other online accounts. Identify and close any other online accounts registered in the deceased person's name, such as social media accounts, online shopping accounts, or gaming accounts. This helps manage their digital presence and prevents unauthorized access or use.
Close any email accounts. Notify the email service provider to close the deceased person's email account and deactivate it to prevent unauthorized access and protect their privacy. This step helps manage their digital assets and communications.
Cancel and transfer money from online payment accounts. Cancel any online payment accounts, such as PayPal, Venmo, or digital wallets, and transfer any remaining funds to a designated beneficiary or estate account. This ensures that the funds are properly managed and distributed according to the deceased person's wishes.
Transfer unused airline miles and close accounts. Contact the airline loyalty program to transfer any unused airline miles or rewards points to a designated beneficiary or to close the account if transfer is not possible. This ensures that the rewards are not lost and can be utilized by someone else.
Transfer unused hotel rewards and close accounts. Notify the hotel loyalty program to transfer any unused hotel rewards or points to a designated beneficiary or to close the account if transfer is not an option. This prevents the loss of accumulated rewards and ensures they are utilized appropriately.
Notify any additional creditors. Inform any additional creditors or financial institutions of the deceased person's passing to settle outstanding debts, loans, or financial obligations. This ensures that creditors are notified and proper arrangements are made for repayment or resolution.
Distribute items mentioned in the will. Follow the instructions outlined in the deceased person's will regarding the distribution of specific items, assets, or possessions to beneficiaries or heirs. This ensures that their wishes are fulfilled and assets are distributed according to their estate plan.
Sell any unwanted valuables. Identify and sell any valuable items or possessions that are not designated for distribution in the will or desired by family members or beneficiaries. This can include jewelry, collectibles, or other assets that can be monetized to benefit the estate.
Offer other items to friends and family. Offer remaining items, possessions, or personal belongings to friends and family members who may have sentimental or practical interest in them. This allows loved ones to retain meaningful items and keepsakes as mementos of the deceased.
Donate other useful items. Donate remaining items, such as clothing, furniture, or household goods, to charitable organizations or community groups in need. This ensures that useful items are repurposed and benefits those less fortunate while honoring the legacy of the deceased.
Throw away anything that's remaining. Dispose of any remaining items, documents, or possessions that are no longer needed or have no sentimental or practical value. This helps streamline the process of managing the deceased person's estate and reduces clutter or unnecessary belongings.
Send thank you notes. Express gratitude to friends, family members, neighbors, and others who provided support, condolences, assistance, or contributions during the difficult time following the death of a loved one. Sending thank you notes acknowledges their kindness and helps foster connections within the community.
Consider future memorial events. Reflect on the possibility of organizing future memorial events, such as anniversary remembrances, tribute gatherings, or charitable activities in honor of the deceased. Planning for future memorials allows loved ones to continue celebrating and honoring the life and legacy of the departed individual.
Create your will. Take the opportunity to create or update your own will, outlining your wishes for the distribution of assets, guardianship of dependents, and other important decisions to be made in the event of your passing. Having a clear and legally-binding will helps ensure that your wishes are carried out and minimizes confusion or disputes among your beneficiaries.
Record your own information. Compile and organize important personal information, documents, and instructions for your loved ones to access in the event of your death. This may include financial account details, passwords, insurance policies, medical directives, and other pertinent information to facilitate the handling of your affairs and estate.
Consider life insurance. Evaluate the benefits of obtaining life insurance coverage to provide financial protection and support for your loved ones in the event of your death. Life insurance can help cover expenses such as funeral costs, outstanding debts, mortgage payments, and ongoing living expenses, easing the financial burden on your family during a difficult time.
Download a PDF version of this checklist that you can print and share. Download