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Some practical things we can do to prepare ourselves and our loved ones

a. Prepare a last will and testament:  It is sad to believe that many people leave no will or have allowed their will to become obsolete.  It is a mistake to believe that only those who have large estates would need a will.  Actually, low and middle income families, or families where small children are involved, have the most difficulties if a loved one dies without a will.

    It is best to seek the advice of an attorney in reference to legal matters surrounding a death.  If you do not have an attorney, most local bar associations have a referral service that will help you find a reputable one.

b.  Discuss funeral plans with a professional:  In recent years, there has been an increase in prearranged funeral services.  Funeral professionals are most willing to discuss your needs and preferences at any time.  It is often helpful to know what service and disposition options are available.  Choices made in advance are often more informed and indeed can be better decisions.  Some families choose to prepay all or part of a funeral in advance.

c.  Consider financial and other important matters:  It is wise to let your spouse or next of kin know a bit about your financial status.  He/she should be familiar with the location of your savings, checking or brokerage accounts.  Someone should know the location of your will and be aware of any special financial obligations you may have which would continue after your death.  When faced with all of the decisions immediately after death occurs, it is valuable to know where certain documents are located and how to obtain them without difficulty.  These items might include the following:

            *Social Security number and records

            *Birth Certificate

            *Marriage or divorce certificates

            *Discharge from military service

            *Savings and checking account information   

            *Insurance policies

            *Stocks and bonds

            *Deeds or mortgage papers

            *Pension or retirement account records

d.  Provide important vital statistics:  The legal documents prepared after death require certain information be included.  It is wise to record personal information such as your parents' names, mother's maiden name and your social security number.  Military discharges might need to be accessed.  Keep this information in a place where the person who will be making your arrangements can find it.  Not having access to such information can delay much of the important paperwork associated with a death.

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