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If the person you care for dies

Losing someone close to you is incredibly hard. If you’ve been caring for that person, the loss may feel even bigger. There is no right or wrong way to feel. Grief is personal, and it is okay to react in your own way and in your own time.

How you might feel

Grief affects everyone differently. You may feel sadness, relief, exhaustion, or even loneliness. These feelings are valid. Sometimes grief doesn’t begin until after the practical tasks—like registering the death or arranging the funeral—are done and others return to their routines.

You may also feel the loss of your supporting role and the relationships built around it. Reconnecting with others or finding new routines can take time.

Who can help

Support often comes from those closest to you. If you feel able, let friends and family know how they can help. Talking about your loss and sharing memories can be comforting.

You can also speak to others who’ve experienced bereavement or ask professionals involved in the person’s support about local services. If grief is affecting your health or daily life, consider speaking to your GP or contacting:

Looking after yourself

Grief affects both emotional and physical wellbeing. Your caring role may have shaped your identity and routine, so its loss can feel overwhelming. Try to:

  • rest when you can
  • eat and drink regularly
  • keep up with medication or appointments
  • stay connected, even if only by phone

Taking care of yourself is not selfish — it helps you cope with the changes ahead.

Practical things you may need to do

Medical Certificate

A doctor will issue a Medical Certificate of Cause of Death.

  • If the person died at home or in a care home → their GP usually provides it.
  • If they died in hospital or hospice → a doctor there will provide it.
  • If the cause of death is unclear → a Coroner may investigate and request a post‑mortem

Post-mortem

A post‑mortem is a medical examination to understand the cause of death. If requested by the coroner it is a legal requirement and it doesn’t require family consent. It usually takes place within 2–3 working days, and the body is released the same day.

For more details, visit the GOV.UK website.

Organ donation

If you know the person wished to donate their organs, tell healthcare staff as soon as possible. Visit the NHS organ donation website for guidance.

Registering the death

You must register the death within 5 days. Contact your local registry office:

The funeral

A funeral can help family and friends mourn and celebrate the person’s life. The date can only be set once the death is registered.

When arranging the funeral, check if the person left wishes in a will or written document. You can choose burial, cremation or other options. A funeral director can help you plan the arrangements.

For options and guidance visit the GOV.UK website.

Paying for the funeral

Costs vary, so it’s helpful to compare quotes. Check whether the person had. Check if the person had a funeral plan, insurance, or savings. You may be able to recover costs from their estate.

If you pay the costs yourself, you may be able to recover them from the person’s estate later.

Help with funeral costs

If you're on a low income, you may be eligible for a Funeral Expenses Payment from the Department for Work and Pensions.

Eligibility is based on your benefits, not the person who died. You must apply within 6 months of the funeral.

After the funeral

Sorting out the property and finances

Everything the person owned is called their estate. The estate can only be shared or used to pay bills once either:

  • probate is granted (there is a valid will), or
  • letters of administration are issued (no will)

Bank accounts in the person’s name will be frozen until this is completed. Joint accounts can still be used by the surviving account holder.

Power of Attorney

If you had Power of Attorney, it ends immediately when the person dies.

Inheritance Tax

Tax may be due if the estate is above the government threshold, unless everything passes to a spouse or civil partner.

Other tasks you may need to do

When you’re able, you may need to:

  • send the benefits certificate to DWP
  • contact HMRC
  • notify the local council (council tax, parking permits, social care support)
  • contact banks, insurers and pension providers
  • return any NHS equipment
  • decide who will deal with the estate

If you are able to use the Tell us Once service, a lot of the above will be taken care of for you.

Your finances

Carers Allowance

If you were receiving Carer’s Allowance, it usually continues for 8 weeks after the person’s death.

Universal Credit

There is a short bereavement run‑on: your award continues for the assessment period when the death happened and the two following periods.

Bereavement Support Payment

You may be eligible if:

  • your partner has died
  • you were under State Pension age
  • you were married, in a civil partnership or living together as if married
  • your partner paid enough National Insurance, or died due to work‑related illness

Payments can include a lump sum and monthly support for 18 months.

If you're over State Pension age

You cannot receive Bereavement Support Payment, but you may be able to inherit or increase your State Pension based on your partner’s contributions.

You can find more information about these on the GOV.UK website.

Housing after bereavement

Council tenancy

You may be able to take over the tenancy if you are:

  • a spouse or civil partner, or
  • a family member who lived in the home for 12 months

If the property is not suitable for your needs, the council may offer alternative housing.

Privately owned property

If the home belonged to the person who died and is left to you and siblings:

  • you may stay if everyone agrees
  • if others wish to sell, you may need to negotiate more time
  • seek advice urgently if you may be at risk of homelessness

Shelter can give you more information about your housing rights.

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