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When a Parent Dies: Calm First Steps for US Families

Watercolor of adult siblings walking arm in arm with their widowed mother in a quiet garden

When a parent dies, the first job is not paperwork. It is getting the right people involved: the hospice or medical team if one is present, a funeral home, and close family. Many tasks can wait a few days. Write down who you called and what was decided, and do not sign anything you have not read.

Did you know? The FTC says no state law requires routine embalming for every death. In most cases refrigeration is an acceptable alternative, so ask the funeral home what your options are before you agree to anything. FTC: The FTC Funeral Rule

This guide points to official US sources so you can check the facts for your situation. Rules for death certificates and many other steps vary by state.

What can wait, and what cannot?

  • Today: make sure someone is with your parent's pets and home, and gather their wallet, keys, and phone.
  • First few days: choose a funeral home after comparing prices, and decide how many death certificates to order. Certified copies come from the state's vital records office (the CDC lists each one), and funeral homes often help order them. Our guide on how many death certificates you need has a five-minute counting checklist.
  • Can usually wait: closing accounts, sorting belongings, and most money decisions. When you are ready, our who to notify when someone dies checklist sorts the calls into three waves, with a printable call log.
What can wait: today, care for pets and home and gather wallet, keys, and phone. First few days, compare funeral home prices and decide on death certificates. Most money decisions can usually wait.
What can wait, and what cannot.

Social Security is often handled by the funeral home, according to SSA, but confirm it with them.

Watercolor of a three-generation family planting a young tree together in memory of a loved one
Some things can wait. Take care of each other first.

Before you meet the funeral home

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Want this on paper with room to write? See what's inside the First 72 Hours After a Death Checklist.

Under the FTC Funeral Rule you can get prices by phone, get an itemized price list, buy only what you want, use a casket or urn bought elsewhere, and get a written statement before you pay
Your rights under the FTC Funeral Rule.

Guides in this topic

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Printables for this topic

Frequently asked questions

Do I need to report a death to Social Security?

Usually not. The Social Security Administration says funeral homes generally tell SSA when someone dies, so families typically do not need to report it. If no funeral home is involved or it does not report the death, SSA asks you to call 1-800-772-1213 with the person's name, Social Security number, birth date, and date of death.

What rights do I have when choosing a funeral home?

Under the Federal Trade Commission's Funeral Rule, you can get prices by phone without giving your name, receive a written itemized General Price List when you visit, buy only the goods and services you want, and use a casket or urn bought elsewhere without an extra fee. Ask for the price list before deciding.

Is there a Social Security death benefit?

The SSA says a surviving spouse might get a one-time lump-sum death payment of $255, and if there is no spouse, some children may be eligible. Certain family members may also qualify for monthly survivor benefits. Check the SSA website or call SSA to confirm who qualifies, because the rules depend on each family's situation.

Please note: This printable is an organizational and educational tool only. It is not a will, trust, power of attorney, advance directive, or any legal document, and it is not legal, medical, financial, tax, insurance, or funeral advice. Rules vary by state and change over time, so confirm them on the official sites linked inside.

Sources

  1. SSA: What to do when someone dies
  2. FTC: The FTC Funeral Rule
  3. CDC: Where to Write for Vital Records
  • Death Binder Checklist: What to put in an in case of death binder, a free printable checklist, and how to start together.