Centrelink: What to do when someone dies?

Life throws curveballs, and sometimes they hit hard. Losing a loved one feels like the ground beneath your feet has suddenly vanished. You’re left grappling with a whirlwind of emotions while simultaneously facing a mountain of paperwork and procedures. It’s overwhelming, to say the least. But take a deep breath. We’re here to guide you through this challenging time, focusing on one crucial aspect: dealing with Centrelink when someone dies.

The Immediate Aftermath: First Steps in a Fog of Grief

Picture this: You’ve just received the news, and your world has come to a standstill. Yet, the clock keeps ticking, and there are pressing matters to attend to. It’s like trying to solve a puzzle while wearing a blindfold. But don’t worry, we’re here to shed some light on the path ahead.

1. The Organ Donation Dilemma

First things first, let’s talk about organ donation. It’s a topic that makes many uncomfortable, but it’s crucial. Was your loved one an organ donor? If you’re unsure, it’s time to play detective. Reach out to the hospital and ask them to check the Australian Organ Donor Register. It’s a simple step that could potentially save lives – a silver lining in this dark cloud.

2. The Paper Trail: Hunting for the Will

Next up, you’ll need to channel your inner Sherlock Holmes. Your mission? To locate the will and other important documents. It’s like a treasure hunt, but instead of gold, you’re searching for papers that hold the key to your loved one’s final wishes. Check desk drawers, filing cabinets, and safety deposit boxes. These documents are your roadmap for the journey ahead.

3. Guardians of the Galaxy: Ensuring Care for Dependents

If your loved one was caring for children or dependent family members, it’s time to don your superhero cape. You need to ensure these individuals are taken care of. Check the will for any instructions. Remember, changes in care arrangements might affect certain Centrelink payments, so keep that in mind as you proceed.

4. Spreading the Word: The Delicate Dance of Notification

Now comes a task that requires the finesse of a tightrope walker: notifying family and friends. It’s a delicate balance of informing people while respecting privacy and managing your grief. Consider creating a phone tree or using a group messaging app to share the news efficiently. Remember, you don’t have to shoulder this burden alone. Delegate tasks to trusted family members or friends.

5. The Centrelink Countdown: Beat the Clock

Here’s a crucial piece of information: you have 28 days to notify Centrelink about the death if the person was receiving payments. It’s like a ticking time bomb, but don’t let it stress you out. Mark it on your calendar, set a reminder on your phone, tie a string around your finger – whatever works for you. This step prevents overpayments and keeps Centrelink’s records accurate.

Financial Lifelines: Centrelink’s Bereavement Support

Now, let’s talk money. It’s probably the last thing you want to think about right now, but it’s important. Centrelink offers bereavement assistance that could be a financial lifeline during this difficult time.

 When an Adult Passes: The Bereavement Payment

If you’ve lost an adult partner, Centrelink’s bereavement payment could be a helping hand. It’s designed to help you adjust to your changed financial circumstances. Think of it as a financial buffer, giving you some breathing room as you navigate this new reality.

The Unthinkable: Support When a Child Dies

Losing a child is an unimaginable pain. While nothing can ease the emotional burden, Centrelink offers practical support. The bereavement payment for the loss of a child can help cover immediate costs and provide some financial stability during this heart-wrenching time.

Military Matters: Special Considerations for Defence Force Members and Veterans

If your loved one served in the defence force or was a veteran’s partner, you might have additional support available. It’s like having an extra safety net. The Department of Veteran Affairs and the Returned and Services League might be able to help with funeral costs or arrangements. It’s worth checking – every bit of support counts during this time.

Navigating the Legal Labyrinth: Essential Administrative Steps

Now, brace yourself. We’re about to enter the maze of legal and administrative procedures. It might seem daunting, but we’ll tackle it step by step, like solving a complex puzzle.

The Registration Riddle: Documenting the Death

First on the agenda: registering the death. It’s a crucial step in obtaining that all-important death certificate. Each state and territory has its process, but don’t let that intimidate you. Here’s a quick rundown:

Pro tip: If you’re working with a funeral director, they usually handle this paperwork jungle for you. It’s like having a guide through the bureaucratic wilderness.

 The Certificate Chase: Securing the Death Certificate

Once you’ve conquered the registration process, your next quest is obtaining the death certificate. It’s like waiting for exam results – it takes time, and the anticipation can be nerve-wracking. But once you have it in hand, here’s what to do:

1. Make multiple copies – treat it like a bestselling novel

2. Get the copies certified by a Justice of the Peace – they’re like the notary public of the Down Under

3. Distribute these certified copies to relevant organizations – it’s like sending out invitations, but less festive

Remember, most police stations, libraries, and local Justices of the Peace can certify your copies. It’s like having a one-stop-shop for all your certification needs.

The Final Farewell: Planning the Funeral

Now we come to one of the most emotional parts of this journey: planning the funeral. It’s your chance to say goodbye, to celebrate a life well-lived. But it also involves practical considerations.

The Funeral Director:  Your Guide Through Grief

Think of a funeral director as a compassionate event planner. They’ll help you navigate:

1. Funeral plans – whether it’s a traditional service, a cremation, or something uniquely tailored

2. Costs – they’ll break down the expenses, no hidden fees

3. Payment options – because financial stress is the last thing you need right now

Funeral Finances: Making Sense of the Costs

Funerals can be expensive, there’s no sugar-coating it. But there are ways to manage the costs:

– Visit the Moneysmart website for guidance on funeral expenses – it’s like having a financial advisor in your pocket

– Consider using Centrepay if the funeral home is a registered business – it’s a free bill-paying service

– Use Centrelink’s “find a business” tool to check registration status – think of it as a business background check

The Estate Expedition: Managing Assets and Affairs

Buckle up, because managing the estate is often a long journey. It typically takes about 12 months, but complex cases can take longer. It’s like embarking on a year-long expedition – you need patience, perseverance, and a good map.

The Information Quest: Seeking Details from Centrelink

You might need to channel your inner detective again and request information from Centrelink about the deceased. It’s like putting together pieces of a puzzle to get a complete financial picture.

The Reporting Responsibility: Keeping Centrelink in the Loop

Here’s a crucial piece of information: if you’re a Centrelink customer and you receive money or assets from the estate, you need to report it. It’s like updating your status – but instead of social media, you’re updating Centrelink when you report your income and assets online.

For a comprehensive guide, check out the Australian Taxation Office’s deceased estate checklist. It’s like having a roadmap for this complex journey.

 Self-Care: Your Lifeline Through Grief

Amidst all these procedures and paperwork, it’s easy to forget about yourself. But remember, you can’t pour from an empty cup. Taking care of yourself isn’t selfish – it’s necessary.

 Your 24/7 Support Network

Grief doesn’t keep office hours, and neither do these support services:

– Lifeline Australia: 131 114 – they’re like a friend you can call anytime

– Beyond Blue: 1300 22 4636 – think of them as your mental health cheerleaders

– MensLine Australia: 1300 789 978 – because men need support too

– Griefline: 1300 845 745 (6 am to midnight AEST) – they’re the listening ear when you need it most

Financial First Aid: Protecting Your Fiscal Health

Your financial health is part of your overall wellbeing. Before making any major money moves:

– Chat with a Financial Information Services Officer – they’re like your financial GPS

– Report any changes in income and assets to Centrelink within 14 days – think of it as keeping your financial house in order

 Looking Ahead: Planning for Your Own Future

It might seem strange to think about your own future right now, but it’s a crucial step. Use this time to:

1. Review your will – think of it as updating your life’s instruction manual

2. Plan for your own funeral – it’s like writing the final chapter of your story

3. Consider registering as an Australian Organ Donor – it’s a way to leave a lasting legacy

4. Have heart-to-heart talks with your loved ones about your wishes – think of it as writing a letter to the future

Your Next Steps: A Call to Action

Navigating Centrelink procedures after a loss is like traversing a complex maze. But remember, you’re not alone in this journey. Here’s what you can do right now:

1. Take a deep breath and grab a notebook – you’ll want to jot down important information

2. Start with the most pressing tasks – notify Centrelink if your loved one was receiving payments

3. Reach out for support – whether it’s family, friends, or professional services

4. Take it one step at a time – Rome wasn’t built in a day, and neither is managing an estate

Remember, it’s okay to ask for help. It’s more than okay – it’s essential. Whether you need emotional support, financial advice, or just someone to listen to, don’t hesitate to reach out. You’ve got this, and we’re here to help every step of the way.

Peter Erceg

Peter Erceg is the Owner and Founder of eziFunerals. He has had a long history within the funeral industry, and is a published author of ‘What Kind Of Funeral: A self help guide to planning a meaningful funeral’. Prior to eziFunerals, Peter worked in the public sector and health industry for more than 30 years. The views and opinions expressed on posts are those of the author and do not necessarily reflect the opinions of eziFunerals and members.