My parents are dead, but I can’t prove it

Without your parents’ death certificates, it’s hard to move forward with the legal and financial stuff. Everyone wants a fancy embossed sheet of paper, and who could blame them? I love fancy paper.

That said, there are still things you can do while you’re waiting for the death certificates, which could take days—or even sometimes weeks, in the case of cremation. We waited nearly two weeks for my dad’s death certificates, which were handed over to us, along with his ashes, in a mall parking lot. Long story.

Funeral, anyone?

If you’re burying your parents, you’ll almost certainly have a funeral during this wait—bodies get gross pretty quickly, even with embalming. But even if your parents are cremated, you may prefer to have some kind of memorial during this time rather than waiting.

According to the National Funeral Directors Association, the average cost of a funeral in 2021 was $7,848. This is where life insurance money comes in handy—but you won’t be able to get your hands on it until after you have the death certificates, so you’ll have to pay yourself back.

Here’s a non-exhaustive list of considerations in your new role as goth party planner:

Location

Funeral homes are an obvious choice. They know what they’re doing, and they cover many of the elements you’d have to do on your own if you held the memorial elsewhere—seating, guestbook, etc. The downside? They’re not always cost effective, and there are fewer opportunities to personalize the experience.

If your parents were religious, you may want to hold a service at their place of worship. Get in touch with that place of worship—they’ll be able to walk you through the details. Often people hold a get-together after these services for food and reminiscences—usually at someone’s house, but it could be a restaurant, too.

You could also hold a memorial elsewhere—a community center, a restaurant, a park. This might not work if you have a body in a coffin to deal with, but people don’t usually object to an urn. It can be nice to think outside the box! We hosted my mom’s memorial in a tent outside the bar/restaurant our family frequented over the years, and catered it with her favorite pizza.

One more thing: you can care for the body and hold a funeral in your own home. It is legal in every U.S. state—though some have different requirements for making it happen. If you’re interested, The Order of the Good Death has some resources.

Invitations

Unless your parents kept a meticulous address book, invitations can be tough. I had more success contacting people on Facebook or through my parents’ phones, getting their email addresses, and sending e-vites via Paperless Post. Remember to invite your friends, too! You deserve the support.

Flowers

If you want flowers at the funeral or memorial, it’s best to go through a local florist—they’re usually cheaper than then national online florists, and they’re better able to cater to your preferences. My mom loved irises, but they were out of season during her memorial; our local florist managed to work some into the arrangements anyway, and she didn’t charge us extra for the privilege.

People will try to send flowers! Too many flowers! If you want to discourage them, say something like this in the invitations: In lieu of flowers, please consider donating to [CHARITY] in [YOUR PARENTS]’s name.

Food

Whenever one holds a large gathering of people, those people expect to be fed. Funeral homes may have partners they work with to provide hors d’oeuvres, but maybe not—you should ask. If you’re holding a gathering at your home (or another relative’s home), you may opt to make food or cater food. If you’ve decided to host at another location—a restaurant or a golf club or a park—they probably have specific menus that you’ll need to select from, and this can get expensive. It just depends on the kind of experience you want to provide!

Keep in mind that some guests may have food allergies or dietary preferences; you should try to have at least a few things everyone can eat.

Guestbook

Just as newlyweds want folks to sign a guestbook on the happiest day of their lives, most people provide a guestbook on the most depressing day of their lives, too. But it’s worth it—people will write down memories of your parents that you’ll enjoy reading later. Blank guestbooks are easy to find online.

Pictures

To the basement! Go through those boxes and boxes of family photos and find some gems. Affix said gems to a piece of poster board (readily available at most drugstores or office supply stores) that you can display at the memorial—or put them in an album that people can flip through.

You can also ask friends and relatives to provide more pictures—they’re usually happy to share. The internet can be a good source, too. My parents weren’t really on social media, but yours might have been.

Memorial Cards/Prayer Cards

If you’ve ever attended a memorial at a church or funeral home, it’s common to provide guests with small cards as a sort of party favor. On one side is a picture of the deceased, their full name, and their birth/death dates. On the other side is a quote—often a prayer or Bible passage in Christian services, but I’ve seen plenty with poems or other quotes.

If you’re working with a funeral home, they probably have a system in place to get these for you. But you can also hop on a site like Vistaprint or Moo and design your own using the business card templates.

Do you need legal help?

Here’s the thing: you probably do. We all do—but we don’t always have the resources to access that help. Now that your parents are dead, you might have more resources. Or not! It depends on your situation.

Estate attorneys can help you plan for your own death, or they can help you navigate your parents’ deaths. (Or your spouse’s death, etc.) If you’re going through probate court, having an estate attorney on your side can be tremendously helpful. If your parents had a trust, things should be a bit less complex—but you never know. If your parents forgot to update just one document, you might find yourself in probate court, too. That’s what happened to me.

How to find an estate attorney? Search for one in your area online, of course. Or ask your friends/loved ones for recommendations. I found mine through my uncle, and she’s fantastic.

How to pay for an estate attorney? Great question. Some bill by the hour, others have flat fees for certain services. Costs differ wildly depending on where you live, the lawyer’s experience level, and a million other factors. You can use your inheritance to pay for an estate attorney to make sure you actually get that inheritance. Maybe a life insurance payout? There could be legal aid in your area, too.

Can you get through all this without a lawyer? Technically yes! But it will be a whole hell of a lot harder.

I recommend you hire an estate attorney if at all feasible.

Do you need financial help?

Can’t hurt! For some reason I was under the impression that an accountant’s job was to yell at me for not understanding money? But after years of TurboTax, I finally worked up the courage to visit one and it was totally fine. More than fine, actually. I’d filed an extension since my dad died right around tax time; this guy did my taxes on the spot and charged me less than TurboTax would have. And he said I could come to him with any tax questions involving my parents’ estate—I’m definitely going to take him up on the offer.

I’m not sure an accountant or financial planner is quite as necessary as an estate attorney, but they can certainly be helpful. Here are a few tips if you want to go that route:

  • If your parents had an accountant, talk to them first—they may have records or copies of records that can help you settle your parents’ estate.

  • Banks and credit unions often offer free financial services to their customers. It might be worth stopping at your nearest branch and asking for help.

  • Whenever you work with a financial professional, you should make sure they’re a fiduciary—that means they’re legally required to work in your best interest. And yes, that does mean there are financial professionals in this country who are not required to work in your best interest! We live in hell.

  • Local accountants often charge less than big, nationwide firms.

  • How to find an accountant or financial planner? Same deal as an attorney—ask the internet and/or ask friends and relatives for recommendations.

  • How to pay for an accountant or financial planner? Same deal again—inheritance, life insurance money, etc.

Become a hacker

It’s going to make your life a whole lot easier over the next few months if you can log into your parents’ online accounts. I don’t just mean their bank or their email—everything. You want to keep the utilities on at their house or apartment for a while, don’t you? You’d like their car to remain insured if you or your siblings are driving it around?

Fingers crossed your parents did that thing you scolded them for in life and wrote their passwords down on a piece of paper near the computer. My dad kept a whole notebook of passwords for his accounts, but his cramped architectural handwriting was so bad that it took a while to decipher. And some of the passwords were outdated.

It’s best to have access to your parents’ phones and email accounts first—that way if you need to reset a password for any of the other accounts, you can get the two-factor authentication code via text or email. In your Uber Death Notebook equivalent, make a chart that looks something like this:

A chart with five columns: Account, Username, Password, How paid?, Notes

A few things to keep in mind:

  • Write these passwords down physically in your notebook rather than saving them in a Google doc, which is less secure.

  • If your parents don’t already have online accounts for their utilities or other services, it may be helpful to create them so you can handle things without having to go through snail mail.

You can start canceling the easy stuff now if you want—magazine subscriptions, credit cards with little or no balance, streaming services, etc.

Embrace your inner minimalist

You’re going to have to start cleaning out your parents’ stuff at some point. Might as well be now. And who knows? You might find treasure. When I was cleaning out a closet recently, I found the leftover invitations from my parents’ 1986 wedding, including the hand-drawn maps my dad made to help guests find the church.

It’s easy enough to donate clothes and accessories, but other items are more complicated.

  • Look up how to safely recycle electronics in your area.

  • Women’s shelters, homeless shelters and food pantries may accept donations of unopened toiletries.

  • Not all libraries accept book donations, but there are lots of programs that accept book donations for prison inmates.

  • Tools and hardware? Check if there’s a tool library in your area.

  • Linen closet overflowing with towels? Try an animal shelter.

  • You can often dispose of prescription medications at fire departments, police departments or hospitals; search the name of your town + “surrender prescription medications” online. (Syringes are different! Search the name of your town + “sharps disposal.”)

  • If you’re dealing with a massive amount of stuff that you know you don’t want, there are companies you can pay to scoop it all up and get rid of it. Just search “get rid of junk” online.

Hold onto whatever is important to you, even if it seems silly. If your parents’ will dictates that certain items should go to certain people, you should honor those wishes. Even if it doesn’t, it’s kind to offer close friends and relatives a chance to take sentimental items.

Learn how to sell big-ticket items like houses and cars here.

Please, Mr. Postman

I believe the United States Postal Service is the greatest institution our nation has ever created. Whatever your own opinion, it is very easy to go on their website and have your parents’ mail forwarded to your place. That way you won’t miss any bills or notices.

Create strategic alliances

Reality TV shows are not particularly realistic—except that forming alliances can help you “win.” Not that your parents’ death is something you win, but…you get it. Is your boyfriend’s cousin an accountant? Maybe your neighbor is a lawyer. My best friend’s dad worked in insurance for 30+ years. Everyone is going to want to help you, so you should take advantage. Get some free advice where you can.

In the event of terrible relatives...

I am fortunate in that I only have one sister and we largely get along. We knew our parents wanted us to split stuff 50/50, so that’s what we’re doing. The end. My other relatives are cool, too. When I asked my dad’s sisters if they wanted anything of his, they responded that they were old and they didn’t need any more stuff, thanks.

However, many people do not have cool relatives. If you’re in a situation where relatives are making a bad situation worse—contesting the will in probate court, for example, or even just trying to put pressure on you to do things their way—here are some resources to look through:

Don’t blame yourself for their behavior. And if you’re feeling generous, remember that some of their behavior may be the result of grief.

Self-care skeleton says...

You’re not a bad person if you have fun right after your parents die. Go see a comedy show. Play Twister with your friends. Have a Lord of the Rings movie marathon. You deserve it. (Also—don’t beat yourself up if you start crying while your right hand’s on red and your left foot’s on green. Grief is weird.)