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ARRANGEMENTS AFTER A DEATH

ARRANGEMENTS AFTER DEATH

Take Some Time Out for Yourself

In the days and weeks after a death, many things seem to need your attention. It can be overwhelming. Feelings of confusion and anxiety are common. It is important that you care for yourself and ask for the help you need at this time.

Do not forget about yourself as you attend to the tasks on this page. 

Communicating the Death

Sharing the news of the death with different people is often done in stages, with the timing based on how close they were to the deceased and how soon a planned funeral or memorial service will take place.

People to contact in the first stage usually include family and friends; the deceased’s congregation, lawyers, and accountants who handled the deceased’s affairs; and associations and organizations of which the deceased was a member. Seeking the help of friends and family members to make these calls is often helpful.

Referring to the address book of the deceased (in paper and on the computer) is a good way to check that you have not missed important people who should be notified. An obituary in the local or regional newspaper can serve as notice to others.

In the weeks ahead, you will need to contact banks, insurance companies, and other institutions to settle legal and financial matters.
Funeral or Memorial Service Planning
Some people have made funeral arrangements in advance – often as part of estate planning. It may be a list of general instructions or detailed, prepaid arrangement with a funeral home and a pre-paid burial plot.

Others leave it to family to attend to these matters after their death. If you do not know if arrangements have been made, and you are the person responsible for making decisions in these matters, try to locate where information may have been kept.

You will likely already have identified a funeral home to remove the body from the place of death. Licensed funeral homes are the only entities in New York State that are permitted to handle the disposal of a body. If circumstances did not involve the disposal of a body, you can still contact a local funeral home to assist you with many tasks. Funeral homes provide support and help in many areas in addition to transporting the body. Most families choose to use at least some of their services. Schedule an appointment to discuss your needs. 
Services provided by funeral homes. 
Independent funeral homes in Westchester, listed by town.

Before you meet with the funeral home, try to understand from existing paperwork or other family members what plans the deceased may have had for burial or cremation and any funeral or memorial services. If there is no available information, talk with other members of the family, the executor, and/or clergy to develop a plan.

When you speak with the funeral home staff, they will ask for information about the deceased, including date of birth, city of birth, occupation, veteran status, and surviving family members’ names. They may ask you to bring in clothing and other accessories for preparing the body for burial or cremation. It is a good idea to bring a friend or family member to the meeting with the funeral home and to have a notebook to write down information.
Legal and Financial Matters
Legal and financial matters that need to be attended to following a death include the following:
  • Dispersal of the Deceased’s Property and Possessions
  • Contacting Institutions Involved with the Deceased’s Finances
  • Continuing the Deceased’s Financial Obligations
If a lawyer, financial planner, accountant, or other professionals were involved in the affairs of the deceased, they can handle some of the legal and financial tasks for you. Begin the process by contacting them to find out what they can do to assist you. Remember to ask about the cost for their services.
Dispersal of the Deceased’s Property and Possessions
To begin the probate process, you first need to find out if there is a Last Will & Testament. Probate is the legal transfer of the decedent’s estate (property) to his or her rightful heirs (beneficiaries).

If a resident of New York State dies without a will, his or her possessions will be inherited according to a formula in the New York “intestacy law.” If there is a will, the executor named in the will is responsible for administrating the will to make sure that the will is carried out as intended. If you are the executor, you need to understand your responsibility and that the process can be long and tiring. Many executors enlist the assistance of an attorney to help them.

Among the executor tasks are:
  • apply to appear before probate court
  • notify all named beneficiaries
  • inventory belongings and have them appraised
  • open a checking account in the name of the estate to cover expenses, such as legal fees, funeral expenses, and taxes
  • file state, city, and federal tax returns
Contacting Institutions Involved with the Deceased’s Finances
  • Notify the local Social Security office if the deceased was receiving Social Security benefits. The benefits will end when the person dies. Overpayments will result in a difficult process of repayment. If you are a surviving spouse, ask about your eligibility for increased benefits. Also, check on benefits that any minor children may be entitled to receive. Learn more about how Social Security can help after someone dies.
  • Speak with the health insurance company or the deceased’s employer regarding terminating coverage for the deceased while continuing coverage for others covered through the policy.
  • If the deceased was working, contact the employer for information about pension plans, credit unions, and union death benefits, and any outstanding wages or salaries. You will need a certified copy of the death certificate for each claim.
  • Contact the insurance company for all life insurance policies. You will need to provide the policy number and a certified copy of the death certificate and fill out a claim form. If the deceased is listed as the beneficiary on any other policy, arrange to have the name removed.
  • Discuss continued procedures with the banks, where the deceased had accounts.
  • Return credit cards of the deceased with a certified copy of the death certificate, or notify the credit card company if you, as the survivor, want to retain use of the card.
If you can afford to pay an attorney, contact the Lawyer Referral & Information Service of the Westchester Country Bar Association (914-761-5151) for a recommendation. If you need pro bono (free) legal services, contact the Legal Aid Society of Westchester (914-286-3400) or Legal Services of Hudson Valley (877-574-8529).

If there is no legal next of kin, executor or other responsible party to assist, Westchester County has a process by which a deceased’s remains will be managed through contacting the Public Administrator of Westchester County (914-995-3700).
Continuing the Deceased’s Financial Obligations
Make sure that important bills, such as mortgage payments and utility bills, continue to be paid. Child support payments and contract payments may need to continue. Regular payments for persons employed by the deceased may or may not continue.
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