Who do you call first when a person dies? How do you organise the funeral and the death certificate? And what about their utility bills, bank accounts and even their social media profiles? Here are some of the essential steps you'll need to take when a loved one dies.
None of us likes to think about the day someone close to us might die, and when it does happen the shock can be overwhelming, even for an anticipated
death. But knowing what to do can relieve some stress from an already stressful situation.
Death at a hospital or nursing home
Many people die in a hospital or nursing home – and if this is this case the staff will handle most of the formalities and will be able to guide you
through what to do. Also any next of kin will be advised what steps need to be taken.
Most public and some private hospitals will have their own mortuary and the deceased can be kept there until a funeral director is appointed and the body is transferred. However smaller hospitals and most nursing homes are unlikely to have facilities so it's important to engage a funeral director as a
priority so they can transfer the deceased as soon as possible (see below).
Death at home
If someone you know dies at home it's important to try to stay calm and don't jump to conclusions in the stress of the moment. If the persons death was
expected it's likely that their doctor may have been in touch with you or other close friends or family to discuss what will happen, and you can call the
doctor's surgery to ask them visit as soon as possible. If the deceased doesn't have a regular GP the police should be called instead. A doctor is needed
to examine the body to attempt to ascertain the cause of death and write a medical certificate. A funeral director cannot be arranged until this
certificate has been completed.
If the death is unexpected or you are not sure if the person is dead call 000 immediately and ask for an ambulance and explain as best you can what the
problem is and describe the circumstances. Once the ambulance crew arrives they will either contact the person's GP or the police. It's important to know
that if the death was unexpected, not clear, is suspicious or the person did not have a regular GP, the police must be called. In some cases the Coroner
may also be involved to conduct a post mortem to determine the cause of death.
Death certificate or doctor's certificate
It's important to note that a doctor's certificate of cause of death shouldn't be confused with an official death certificate which will need to be issued
by the Registry of Births, Deaths and Marriages in your state (see below).
If you know the deceased had wished to donate their organs it's important to move quickly as the process of donation needs to happen soon after death. If the person dies in a hospital the staff can check that the person is a registered donor via the Australian
Organ Donor Register
(The Donor Register lets authorised medical staff who have permission from the Australian Government check your donation information anywhere in Australia, 24 hours a day, seven days a week). Consent is always needed before donation can go ahead, so it's important if you are considering organ donation to discuss the decision with your next of kin and those close to you so the decision to donate is upheld.
Either the family or the doctor will need to organise a funeral director as a priority to allow the transferal of the body. Department of Health
regulations mean that the deceased person's body must be moved as soon as possible, fortunately most funeral directors operate a 24 hour service.
If you know that the deceased has already chosen a funeral director be sure to check that they haven't entered into a pre-paid funeral agreement before
making any new arrangements.
If a family member or friend dies and you are arranging their funeral, there are many things to consider and several steps to take. The first thing to
check is the will, if there is one, as it may have directions for funeral arrangements.
However it is important to know that the will (by itself) isn't sufficient to ensure funeral directions are followed (it may also not be read until after
the funeral). It's the duty of the deceased's executor to arrange the funeral and in cases where there is no will the senior next-of-kin will be called on
to provide personal details of the deceased within one month of the death, so that the death certificate can be registered. According to the law the
executor will take possession and custody of the body from the moment of death until it is buried or cremated. If there is no person willing to take
responsibility, the funeral may be arranged through the government contractor.
If there aren't specific instructions for the funeral here are some things to consider before making arrangements:
Have any financial arrangements been made to pay for the funeral such as funeral insurance or a pre-paid funeral?
Did the deceased person have a pre-paid burial plot?
Is there enough money in the deceased person's bank account to pay for the funeral and have you contacted the bank about accessing the funds?
Are there any sickness, accident, life, superannuation or private health insurance policies which may make a payment towards the funeral?
Was the deceased a returned service person or did they belong to any club, pensioner association or trade union which may entitle them to a funeral
If you or the deceased person received payments from Centrelink have you checked with Centrelink about a possible bereavement payment or allowance?
Did the deceased have a preference for where to hold the service? This could be different from the actual burial / memorial location.
If the deceased hasn't specified any of the above, you will have to go ahead and appoint a funeral director. While there's no doubt shopping around for one
is probably the last thing you'll feel like doing at the time, funeral directors can vary wildly in terms of costs and services so it's worth getting a few
quotes or some personal recommendations.
Choosing a funeral director
Are they a member of a funeral directors association? There are a number of Australian associations with a code of ethics for members. Some of the larger
Were you given an indication of cost? While they may not be able to give you a solid quote, a ball park cost including what services are included is
- Did they offer you enough information about what you need to do and what procedures need to be followed? Equally, were they engaged and prepared to listen to your requirements?
Once you've chosen and engaged a funeral director, a representative will see you as soon as possible to go through the details about what is to happen next and to transfer the body. You will also have to provide information such as the deceased's name, age, religion, next of kin – the details of when the funeral might be held can also be discussed at the time or you can organise to discuss it a little later.
Registering the death
All deaths in Australia must be registered with the state or territory's registry of births, deaths and marriages where the death occurred, this is usually done by the funeral director. Once this is done a death certificate will be issued, which is needed in order to deal with the deceased person's estate as
well as to claim any insurance, superannuation as funeral benefits (if there are any) and to remove money from the person's bank account if you didn't have a joint bank account.
Find your local births, deaths and marriage registry office.
Who to notify
Once you have the death certificate completed you can then set about notifying all the institutions and places the deceased has had dealings with. This can include government departments, banks, telecommunications and utilities providers, local councils and any memberships the deceased had.
The Department of Human Services has a handy checklist of some of the more common organisations you'll need to notify.
Depending on your relationship with the deceased you may be eligible for government assistance; the Department of Human Services has a detailed list
Removing names from mailing lists
You can stop most unsolicited mail being sent to the deceased person by registering with the Association for Data-driven Marketing and Advertising (ADMA)
for the 'do not mail' service.
What to do with social media accounts
With the digital world encouraging more of us to put our lives online – you do need to consider what happens to all the messages, photos and other e-footprints of your loved one after they've died.
Most social media sites will offer a way to deactivate an account if the account owner has died, usually after the presentation of the death certificate.
Facebook also offers the opportunity to "memorialise" accounts if the account owner dies.
Looking after yourself
It's easy to lose yourself in the business of organising a loved one's funeral but it's important to look after yourself when you're experiencing grief,
especially after the hubbub of the funeral has passed.
If you are struggling, a good place to seek help is via your GP, who can refer you to a counsellor or psychologist if needed.
Otherwise there are plenty of places to seek out support and assistance when you are grieving – here are some organisations that can be found online: