When Someone Dies: A Practical Guide to What Happens Next
Losing someone close to you is one of life's most difficult experiences. At a time when you're grieving, it can be hard to know what needs to be done and where to turn for help.
While everyone's circumstances are different, there are some common practical steps that most families will need to take. This guide explains the basics and highlights some of the support available in Scotland.
Registering the death
In Scotland, most deaths must be registered within eight days.
Usually, the hospital, GP or funeral director will explain what you need to do and provide the paperwork required. Once the death has been registered, you'll receive the documents needed to arrange a funeral and begin dealing with the person's affairs.
Arranging the funeral
Many people choose to use a funeral director, although this isn't a legal requirement.
If you're arranging a funeral, it's worth checking whether the person who has died had:
- a prepaid funeral plan
- life insurance
- savings set aside for funeral costs
- wishes recorded in a will
Funeral costs can be significant, so it's worthwhile comparing different companies. Don't feel embarrassed about asking for written estimates or discussing costs beforehand - including any additional extras.
Help with funeral costs
If you're on a low income or receive certain benefits, such as Universal Credit, you may be able to apply for Funeral Support Payment through Social Security Scotland. This is a contribution towards funeral expenses and can help with burial or cremation costs, travel and some other associated expenses, although it won't usually cover the full cost of a funeral. Eligibility depends on your circumstances.
More information: https://www.socialsecurity.gov.scot/funeral-support-payment
Using the Tell Us Once service
One of the most helpful services available is Tell Us Once.
With your permission, this free service notifies several government departments and local authority services at the same time, rather than contacting each organisation separately.
It can inform organisations such as:
- HM Revenue & Customs (HMRC)
- the Department for Work and Pensions (DWP)
- the Passport Office
- the Driver and Vehicle Licensing Agency (DVLA)
- your local council (for services such as Council Tax, Housing Benefit and Blue Badges)
You'll usually be told how to access the service when you meet with a Registrar to register the death, if it's available for your circumstances.
Managing household bills and services
As well as notifying government departments, you'll usually need to contact organisations that provided services to the person who has died.
This may include:
- gas and electricity suppliers
- water services (where applicable)
- telephone and broadband providers
- TV Licence and subscription services
- home or contents insurance providers
Many larger companies now have dedicated bereavement teams who can guide you through closing or transferring an account. Before cancelling services, consider whether someone else will continue living in the property, as some accounts may simply need to be transferred into another person's name.
https://www.scottishpower.co.uk/support-centre/bereavement
https://www.scottishgas.co.uk/bereavement
Bank accounts and finances
Banks and building societies should also be informed as soon as possible. They will explain the process for closing or transferring accounts and, where necessary, dealing with the person's estate.
If the person who died held a joint account, the surviving account holder can often continue using it, although the bank will still need to be notified. For sole accounts, the bank will advise what documentation is required before funds can be released or the account closed, but it would usually be the death certificate and proof of identification.
If you're unsure about managing someone's finances after they have died, it's always worth seeking advice before making any financial decisions.
Digital accounts and online services
These days, many parts of our lives are managed online, so it's easy to overlook digital accounts when someone dies.
As well as cancelling subscriptions or updating account details, you may need to consider dealing with the persons:
- email accounts
- mobile phone contracts
- social media profiles
- online shopping accounts
- streaming services
- cloud storage or photo libraries
Some online services allow accounts to be closed, memorialised or transferred, although each company has its own process and may ask for a copy of the death certificate.
If you're acting on behalf of the person's estate, it's worth making a list of any online accounts you know about so that nothing is missed. This can also help prevent ongoing subscription payments or unnecessary charges.
What happens to a tenancy?
If the person who died rented their home, it's important to contact the landlord as soon as possible.
Depending on the type of tenancy and who lived in the property, different options may be available. In some situations:
- a husband, wife, civil partner or partner may have succession rights
- another family member living in the property may qualify to take over the tenancy
- the tenancy may need to be ended
Every situation is different, so it's important to seek advice before making decisions or handing back the keys.
At CHAP, our Housing Advisers can explain your options, help you understand your rights and support you if you're worried about keeping your home.
If the person lived in a council or housing association home
If the person who died rented their home from the council or a housing association, it's important to contact the landlord as soon as possible.
Once the tenancy has ended, the property will usually need to be cleared and returned in line with the tenancy agreement. This can feel like a daunting task, particularly while you're grieving, but many landlords understand the circumstances and may be able to discuss realistic timescales or offer practical guidance.
If furniture or belongings remain, speak to the landlord before arranging a house clearance, as there may be procedures to follow. Returning the property promptly also helps ensure the home can be prepared for another person or family who may be waiting for accommodation.
If you're unsure about your responsibilities or believe someone may have the right to succeed to the tenancy, seek advice before emptying or handing back the property.
Benefits and finances
A bereavement often changes household finances.
Some benefits will stop, while others may start or increase. You may become entitled to financial support that wasn't available before.
It's important to report changes promptly and have your entitlement checked. This can help ensure you're receiving everything you're entitled to and avoid any overpayments.
CHAP's Welfare Rights Advisers can carry out a free benefits check and help you make any new claims.
Dealing with debts
If the person who died had debts, family members are not usually personally responsible for paying them simply because they are related.
Debts are normally dealt with as part of administering the person's estate. If you're unsure what this means, or you're receiving letters from creditors, seek advice before making payments.
If you're struggling financially following a bereavement, CHAP's Money Advisers can also help you manage your own finances and explore your options.
Useful documents to keep handy
As you begin dealing with practical matters, it can help to gather important documents in one place. Depending on the circumstances, you may need:
- the death certificate (it's often useful to purchase several certified copies)
- the person's National Insurance number
- NHS number (if known)
- pension and benefits information
- bank and building society details
- utility account numbers
- tenancy agreement or mortgage documents
- the person's will (if one exists)
- details of any life insurance policies or prepaid funeral plans
Having these documents readily available can make it easier when speaking to organisations or completing forms.
Looking after yourself
Grief affects everyone differently. There is no right or wrong way to feel, and there is no timetable for recovery.
While there are practical matters that need attention, it's equally important to look after yourself. Don't feel you have to cope alone. Lean on family and friends where you can, accept offers of help, and remember that it's okay to ask for support.
Organisations that can help
If you need additional support, the following organisations can provide practical advice or emotional help:
Cruse Scotland – Bereavement support, information and counselling.
https://www.crusescotland.org.uk
Breathing Space – Confidential support if you're feeling low or overwhelmed.
https://www.breathingspace.scot/how-we-can-help/need-to-talk
Samaritans – Available 24 hours a day if you're experiencing emotional distress.
https://www.samaritans.org/samaritans-in-scotland
We're here to help
Bereavement brings enough emotional challenges without having to navigate complicated paperwork, housing issues or financial worries on your own.
If losing someone has affected your housing, income or finances, CHAP is here to help. Our advisers provide free, confidential and independent advice across Ayrshire, helping people understand their options and access the support they're entitled to.
Whether you have questions about a tenancy, need a benefits check, are worried about debt, or simply aren't sure where to start, we're here to listen and help you find the right way forward.
You don't have to face it alone.
Call us on Freephone 030 0002 0002




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