When a Loved One Passes at Home: A Guide to Next Steps

February 13, 2025

Losing someone you love is one of life’s most challenging experiences, especially when it happens at home. During this difficult time, it’s completely normal to feel overwhelmed and uncertain about what to do next. We’ve created this gentle guide to help you navigate these moments with care and clarity while giving yourself space to process your emotions.

Immediate Steps: The First 24 Hours

1. Contact the Right Medical Professional If your loved one wasn’t under hospice care, you’ll need to call 911. While this may feel overwhelming, the emergency responders will handle the situation with respect and care. If your loved one was receiving hospice care, reach out to your hospice nurse instead – they’re specially trained to support you through this time and will guide you through the next steps with compassion.

2. Reach Out to Family and Friends In these early moments, don’t feel pressured to notify everyone right away. Start with your closest family members and friends – those who can offer immediate support and help share the news with others. Remember, it’s perfectly okay to ask someone you trust to help make these calls.

During the First Few Days

3. Obtain Death Certificates Getting multiple copies of the death certificate might feel overwhelming, but it’s an important step that will save you time later. The Funeral Directors at Arlington can help you with this process – they’ll guide you through ordering 10-20 copies, which you’ll need for everything from insurance claims to closing accounts. Think of these as essential tools that will help you manage practical matters in the weeks ahead.

4. Plan the Memorial Service Take comfort in knowing there’s no rush to make all decisions at once. Start with the basics – burial or cremation – and let your funeral director guide you through the options. If your loved one left specific wishes, these can help shape your choices. Remember, there’s no “right” way to honor someone’s memory – choose what feels meaningful to your family.

5. Begin Essential Notifications While it may feel daunting, you don’t have to notify everyone immediately. Start with the most important contacts:

Social Security Administration (they’ll help with benefits)
Your loved one’s employer (they can guide you regarding final paychecks and benefits)
Insurance companies (who will help initiate any policy claims) Consider asking a family member or close friend to help you make these calls – having support can make this task less overwhelming.

6. Reach Out to Community Sharing the news with your broader circle can be done gradually and in ways that feel comfortable to you. Consider:

Writing an obituary that celebrates your loved one’s life
Using a phone tree of close friends to help spread the word
Accepting offers from those who want to help coordinate communication

In the Following Weeks

7. Address Financial and Legal Matters Take this one step at a time – there’s no need to handle everything at once. Start by gathering important documents and creating a simple filing system. A trusted family member or friend can help you organize paperwork into manageable categories. Remember, it’s okay to ask for help from professionals like attorneys or financial advisors.

8. Handle Service Cancellations Think of this as gradually closing chapters of your loved one’s daily life. Create a simple checklist of:

Monthly subscriptions
Utility services
Membership accounts You can tackle these gradually, and many companies have compassionate representatives who handle these situations regularly.

Managing Digital and Financial Matters

9. Handle Digital Accounts with Care In today’s digital world, this step is increasingly important. Take your time going through:

Email accounts
Social media profiles
Online subscriptions Consider preserving special photos or memories from these accounts before closing them. Many platforms now offer “legacy contact” or “memorialization” options that can help you manage this process thoughtfully.

10. Address Financial Institutions While it might feel overwhelming, remember you can tackle this one step at a time:

Start with the most pressing accounts first, like joint bank accounts
Keep a simple log of who you’ve contacted
Ask for help from a trusted family member or financial advisor Many financial institutions have compassionate care teams who specialize in helping families through this process.

Securing Important Documents

11. Gather Essential Paperwork Think of this as creating a caring record of your loved one’s life. Look for:

Birth certificate and marriage license
Social Security card
Insurance policies
Property deeds Don’t worry about organizing everything perfectly – just collecting these items in one safe place is a great start.

12. Protect Against Identity Theft This step helps preserve your loved one’s legacy and protect their memory:

Contact the three major credit bureaus
Cancel driver’s license
Notify credit card companies Many of these organizations have dedicated departments for handling these sensitive situations with care and understanding.

Looking After Yourself

13. Create Simple Daily Routines During this time of change, small routines can provide comfort:

Set regular times for meals
Take short walks if you feel up to it
Keep a regular sleep schedule Remember that taking care of yourself isn’t selfish – it’s essential.

14. Accept Help When Offered People often want to help but don’t know how. Let them:

Assist with meals
Help with household tasks
Join you for a quiet cup of coffee It’s okay to let others support you during this time.

15. Consider Professional Support Grief affects everyone differently, and professional support can be invaluable:

Grief counselors understand what you’re going through
Support groups can connect you with others who understand
Your faith community may offer additional resources There’s no timeline for grief – seek support whenever you feel ready.

Final Thoughts

Remember that this journey is uniquely yours, and it’s okay to take things one day at a time. At Arlington Memorial Gardens, we understand that losing a loved one creates ripples that touch every aspect of life. We’re here to support you not just through the immediate arrangements, but also in the days and weeks that follow. Don’t hesitate to reach out if you need guidance, resources, or simply someone to talk to during this difficult time.

PRACTICAL NEXT STEPS [VIDEO]