What to do when someone dies

Unfortunately, whilst coping with the trauma of someone dying, there are some practical things you need to do.  This article deals with the key elements.

Registering the death

It is a legal requirement that the death is registered as soon as possible, certainly within 5-days in England.  You can find the local Register Office at this address – you need the nearest one to where the death occurred.

The key item you will need is the Medical Certificate of Cause of Death, which will be issued by the Doctor certifying the cause of death.

If available you will need the following documents and/or information:

  • birth certificate
  • Council Tax bill
  • Driving Licence
  • marriage or civil partnership certificate
  • NHS medical card
  • Passport
  • proof of address (e.g. utility bill)

You’ll need to tell the registrar:

  • the person’s full name at the time of death
  • any names previously used, e.g. maiden name
  • the person’s date and place of birth
  • their last address
  • their occupation
  • the full name, date of birth and occupation of a surviving or late spouse or civil partner
  • whether they were getting a State Pension or any other benefits
  • whether they are being buried or cremated (if you don’t know, finding a Will may give you the answer)

You should also take supporting documents that show your name and address (e.g. a utility bill), but you can still register a death without them.

Securing the property

As we discovered with some incredulity when Cilla Black died, burglars target empty properties, particularly after a bereavement.  Consequently, it is important that the property is secure and, wherever possible, portable valuables removed to another secure location.

You need to notify the insurer, but remember, most household insurance policies provide little or no cover for theft and/or damage much beyond 30-days when a property is unoccupied.

With a rented property you’ll want to get it cleared and the keys back to the Landlord pretty quickly in any event, so the rent stops.  However, even with an owned property, clearing it of anything in the least bit attractive to a burglar as quickly as is possible is the wisest thing to do.

Sundry arrangements you need to consider are:

  • Arrange for pets to be looked after
  • Cancel regular deliveries – newspapers, milk, etc.
  • Arrange redirection of the mail, preferably to the person dealing with the financial affairs
  • Advise Clubs, Societies, Churches, etc of which they were a member

Arrange the funeral and burial or cremation

The registrar will have given you a Certificate of Burial or Cremation, which is the key piece of paper the Funeral Director needs.  However, before selecting a Funeral Director see if there is any evidence of a pre-paid funeral plan, as that will not only help with the costs, but may well dictate which Funeral Director is used

Financial matters

Someone, an Executor, if there is a Will, or an Administrator, if there is no Will, needs to sort-out the financial affairs and pay for the funeral expenses.

To help them out you need to be on the lookout for valuables and business papers of all sorts, including:

  • Cash
  • Jewellery and other valuables
  • Items specifically refereed to in the Will – “My Toby jug”, etc.
  • Debit, credit and store cards
  • Bank/Building Society statements and/or passbooks
  • Investment and pension statements and/or certificates
  • Life assurance policies
  • Correspondence from financial advisers, stockbrokers, investment managers, etc
  • Tax papers, such as a Notice of Coding or an assessment/tax bill
  • Household bills – water, electricity, gas, telephone, etc
  • Credit card statements
  • Mortgage statement
  • Loan and/or credit agreements

If in doubt, take it and let someone else worry about whether it is relevant or not.

Applying for Probate

A Grant of Probate is a document issued by the Court confirming that there was a valid Will and who the Executor(s) is/are.  This then authorises Banks, Life Assurers, Investment Houses, etc to release savings and investments to the Executor(s).

If there is no Will an application is made for a Grant of Letters of Administration, which is also issued by the Court and has the same effect as Probate, but without the Will – see my blog regarding who gets what when there is no Will.

There are basically two forms you need to apply for a Grant of Probate/Letters of Administration in England and Wales, a PA1 and an Inheritance Tax (IHT) return.

The PA1 is an Probate Application Form, which asks for details of the individual and their immediate family. The latter is necessary, because, if the Will isn’t valid, or there is no Will, the Laws of Intestate Succession apply and the Registrar needs to know who would inherit.

There are two types of IHT Return the IHT205 and the IHT400.  The former is used in simple estates of less than £1 million, where there is no IHT to pay, whereas the latter is used in more complex estates in excess of £1 million or where there is IHT to pay.

Do I need to apply for Probate/Letters of Administration?

A Grant is only needed to deal with assets in the sole name, any assets in joint names can be dealt with just on production of the death certificate.  The question is, how big are the assets in the sole name? Generally, if they are in excess of £15,000, a Grant may be needed, but some Banks and Building Societies may release larger sums without a Grant.  If the estate is relatively small, just ask.

Can you help?

Yes. Actually applying for a Grant is a “reserved activity”, which only a Solicitor can undertake, but anyone can make a personal application and I can help with all the surrounding formalities, both before and after the issue of the Grant.  If you don’t want to make a personal application, I can introduce you to a Solicitor I work with who will undertake that small part for a reasonable, flat-rate fee. In fact, I often recommend this, as it can save a lot of time and hassle, so is very much worth the expenditure.

Why use Clive Barwell?

I’m a registered Trust & Estate Practitioner and I have been advising on estate administration since the start of my career in 1971, so I am vastly experienced.

What next

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About Clive Barwell

Clive Barwell is one of the most experienced and qualified financial planners working in the later life market today, he specialises in advice and guidance for the over 55s. To ask Clive a question, please email him at info@clivebarwell.co.uk. Alternatively, you can follow Clive on Twitter, connect with Clive on LinkedIn or see Clive's profile on Google+.