Taunton and South Somerset Living Dec 2022 - Jan 2023
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And just like that - Christmas is here! This special Dec 22/Jan 23 edition celebrates the best of the festive season, with great gift ideas, fabulous pudding recipes, a guide to getting ready for guests and a whole host of other features to enjoy. Don’t forget to enter our competitions - this edition we really have a Christmas bonanza!
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A PRACTICAL GUIDE TO<br />
BEREAVEMENT<br />
The emotional aspect of dealing with a<br />
bereavement – even one that was expected<br />
– can be devastating, but when you start<br />
thinking about the practicalities of what to<br />
do next it can become even more stressful<br />
<strong>and</strong> overwhelming. It can be very easy<br />
to over complicate the process <strong>and</strong> get<br />
lost on your journey - the experts at<br />
the Bereavement Advice Centre have<br />
compiled this extensive guide...<br />
The steps below outline the main areas<br />
you’ll need to cover from the day your<br />
loved one passes away to the day the<br />
estate administration is completed.<br />
STEP 1 – WHERE DO I START?<br />
During the first few hours after a loved<br />
one has died, it can be very difficult<br />
knowing what to do with yourself.<br />
Knowing where to begin <strong>and</strong> taking that<br />
first step can be the hardest bit. While<br />
you’re waiting to collect the official<br />
paperwork from the doctor or the hospital<br />
to register the death, there are a few<br />
things you can be getting on with if you<br />
want to.<br />
One of these is finding any paperwork<br />
which might detail, for example, whether<br />
there are specific funeral wishes or<br />
requests for organ/body donation, as<br />
these need to be identified very soon<br />
after the death. If you feel up to it you can<br />
also begin to call family <strong>and</strong> friends to let<br />
them know what’s happened.<br />
STEP 2 – REGISTERING THE DEATH<br />
With the exception of when the Coroner<br />
is involved you’ll usually be contacted<br />
by either the hospital or the deceased’s<br />
doctor to arrange collection of the<br />
Medical Certificate of Cause of Death<br />
(MCCD for short). You can then make<br />
an appointment with the Registrar to<br />
complete the official registration, it’s<br />
worth bearing in mind the death needs<br />
to be registered in the county where the<br />
person died, not where they lived.<br />
STEP 3 – MAKING THE FUNERAL<br />
ARRANGEMENTS<br />
It’s important to remember when you<br />
h<strong>and</strong> over the “Green Form” you are<br />
personally entering into the contract for<br />
payment with the Funeral Director.<br />
If you’ve found a Will or even a Letter<br />
28 | www.minervamagazines.co.uk<br />
of Wishes this might give you an idea<br />
about what your loved one wants for their<br />
funeral. This can be a relief for some as it<br />
takes some of the decisions out of their<br />
h<strong>and</strong>s, but it can be a concern for others<br />
especially if there isn’t enough money or<br />
the requests are unrealistic. It’s important<br />
to underst<strong>and</strong> that funeral wishes in a Will<br />
aren’t legally binding <strong>and</strong> don’t have to<br />
be followed if they’re not possible.<br />
STEP 4 – BUILDING A PICTURE OF<br />
THE ESTATE<br />
If you had Power of Attorney or managed<br />
the deceased’s finances you will probably<br />
have a clear picture of how the estate is<br />
put together. Alternatively the deceased<br />
may have been very organised, leaving<br />
you with a folder or filing cabinet<br />
containing all the information you’ll need<br />
to look after the estate.<br />
If you aren’t in this position don’t panic,<br />
it may take a bit more investigating but<br />
you will get there. Take some time to<br />
check through any paperwork for details<br />
of who they dealt with for banking <strong>and</strong><br />
other matters. You’re only looking for<br />
a name – it doesn’t matter at this point<br />
whether accounts are open or closed. A<br />
starting point could be a debit or credit<br />
card in their purse or wallet, a bank<br />
statement, a utility bill or even a memory<br />
of a conversation about going to a certain<br />
bank or building society. It all helps.<br />
STEP 5 – LETTING EVERYONE KNOW<br />
There will probably be more people to tell<br />
about the death than you expect, <strong>and</strong> it<br />
can be hard to think of everyone.<br />
It can be helpful to make two lists, one<br />
for personal e.g. family/friends/work<br />
colleagues <strong>and</strong> another for professional<br />
e.g. financial organisations/insurance<br />
companies/family solicitor/accountant/<br />
financial advisor. You can then use the<br />
lists to make additional notes, which will<br />
help you keep track of what you have<br />
done <strong>and</strong> what is left.<br />
STEP 6 – WORKING OUT IF YOU<br />
NEED PROBATE<br />
It’s worth remembering that Probate is<br />
only needed in certain circumstances,<br />
not just because a Will hasn’t been<br />
made or because the total value of the<br />
whole estate seems high. There are<br />
different factors which make Probate<br />
a requirement, but in simple terms it is<br />
decided by the value of individual sole<br />
assets within a person’s estate. There are<br />
exceptions to this rule so call us <strong>and</strong> we<br />
can check for you.<br />
STEP 7 – THE FINAL STEP<br />
Once you’ve obtained Probate (if required)<br />
then you can arrange for any sole assets<br />
to be sold or transferred. Before you h<strong>and</strong><br />
over anything to the beneficiaries you’ll<br />
need to make sure any debts are settled<br />
<strong>and</strong> Inheritance Tax has been paid.<br />
When you’re comfortable that all debts<br />
have been paid you can either:<br />
Follow the instructions in the Will to pay<br />
any Legatees/Beneficiaries OR Distribute<br />
the estate to the deceased’s relatives in<br />
line with inheritance laws called the Rules<br />
of Intestacy<br />
It’s really important that you keep clear<br />
records that show what money is coming<br />
in <strong>and</strong> out of the estate as this will give<br />
you a clear paper trail showing how the<br />
estate has been administered. You can<br />
then put these together with the Death<br />
Certificate, the Will (if there was one) <strong>and</strong><br />
the Grant of Probate (if this was required)<br />
to form your estate accounts.<br />
Edited from an article published for<br />
the Bereavement Advice Centre, you<br />
can find more information <strong>and</strong> advice<br />
at bereavementadvice.org or call 0800<br />
634 9494.