The time immediately following the death of a loved one can be overwhelming, with grief and bereavement complicated by a seemingly endless number to tasks. The immediate days following the death will be focused on the funeral or memorial service arrangements. Soon after, however, various financial and legal issues must be addressed. Many people find it very difficult to be sure they have taken care of everything. The following is a list of tasks that are likely to need attention:

	Call the funeral home you have selected if you have made plans ahead of time. If you have not chosen a funeral home, the Massachusetts Funeral Director’s Association can give you information on funeral homes in your area, or ask friends, family members or clergy for suggestions.
	If your loved one was a veteran, you may be able to get assistance with the funeral, burial plot, or other benefits. The phone number for your local veterans’ agency is usually listed under Town Offices. You will need a copy of your loved one’s discharge papers. If you do not have these, in most cases they can be obtained from the federal Veterans Administration office in Pittsfield.
	Obtain 10-15 copies of the death certificate. Your funeral director should be able to provide you with these, or later they can be obtained at your city hall. You can also get additional copies later online at: www.vitalrec.com/ma.html
	If your loved one was receiving Social Security benefits, notify your local Social Security office of the death since these benefits must stop. Overpayments will result in a difficult process of repayment. If you are a surviving spouse, ask about your eligibility for increased personal benefits.
	Contact the health insurance company or employer regarding ending coverage for the deceased, while continuing coverage for any dependents if needed.
	Contact the insurance company about all life insurance policies. You will need to provide the policy number and a certified copy of the death certificate, and to fill out a claim form. If the deceased was listed as the beneficiary on any policy, arrange to have the name removed.
	If the deceased was working, contact his/her employer for information on pension plans, credit unions and union death benefits. You will need a certified copy of the death certificate for each claim.
	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.
	Seek the advice of an accountant or tax advisor about filing the deceased's tax return for the year of the death. Keep monthly bank statements on all individual and joint accounts that show the account balance on the day of death, since you will need this information for the estate tax return.
	Arrange any joint bank accounts. If the deceased's estate is in trust, check with the Trust Department of Customer Service at the bank
	Arrange to change stocks and bonds into your name. Your bank or stockbroker will have the forms.
	Make sure that important bills, such as mortgage payments, continue to be paid.
Documents you may need to complete the tasks: Death Certificates (10 - 15 certified copies) Social Security Card Marriage Certificate Birth Certificate Birth Certificate for each child, if applicable Insurance Policies Deed and Titles to Property Stock Certificates Bank Books Honorable Discharge Papers for a Veteran and/or V.A. Claim Number Recent Income Tax Forms and W-2 Forms Automobile Title and Registration Papers Loan and Installment Payment Books and/or Contracts