Navigating Loss: A Guide to What Happens After a Death in Toronto

The loss of a loved one is a deeply personal and emotional experience.  When faced with a death, especially in a bustling city like Toronto, the practicalities and legalities can feel overwhelming.

This guide offers a step-by-step approach to navigating the immediate aftermath of a death in Toronto, helping you manage the logistical aspects and focus on grieving during this difficult time.

Step 1: Determining Cause and Location of Death

• Death at Home or in a Care Facility:  If death occurs at home or in a long-term care facility, contact emergency services (911).  Paramedics will confirm death and notify the police.
• Death in Hospital:  If death occurs in a hospital, the medical staff will handle the necessary procedures and notify the next of kin.

Step 2: Contacting the Authorities

• Police Involvement:  The police will be involved if the death is unexpected, suspicious, or occurs in a public place.  They will investigate the circumstances and issue a "Release of Remains" permit once completed.
• Medical Certificate of Death:  A physician will complete a Medical Certificate of Death, which is a legal document confirming the cause of death.

Step 3: Funeral Arrangements

• Choosing a Funeral Home: Toronto offers a variety of funeral homes catering to different religious and cultural backgrounds. Consider factors like cost, services offered, and location when making your selection.
• Planning the Funeral or Memorial Service: Funeral homes can guide you through the planning process, which may include choosing a casket or urn, selecting a location, arranging catering, and notifying guests.  Discuss your budget and preferences with the funeral home director.

Step 4: Registering the Death

• Obtaining a Death Certificate: You can obtain a death certificate from the ServiceOntario office or online. This document is required for various legal and administrative purposes.
• Registering the Death with the City: Register the death with the Municipal Clerk's office in the area where the death occurred. This is required for obtaining a burial permit or cremation authorization.

Step 5: Dealing with Financial and Legal Matters

• Probate: If the deceased had a will, a lawyer can be consulted to begin the probate process, which distributes the estate according to the deceased's wishes.
• Social Insurance Number (SIN): Contact Service Canada to cancel the deceased's SIN card.
• Financial Accounts: Notify banks, credit card companies, and other financial institutions about the death.
• Canada Pension Plan (CPP) and Old Age Security (OAS): Contact Service Canada to inquire about survivor benefits.

Step 6: Managing Personal Effects

• Inventorying Belongings:  Take inventory of the deceased's belongings, including personal documents, valuables, and sentimental items.
• Distributing Belongings:  Distribute belongings according to the deceased's wishes or as agreed upon by family members. Consider donating items to charity.

Additional Considerations

• Financial Assistance: The City of Toronto Employment and Social Services offers financial assistance on behalf of deceased residents who lack sufficient funds to cover basic funeral costs.
• Grief Support:  Grief can be a long and challenging process. There are many resources available in Toronto to offer support, including bereavement counseling support groups, and online resources.
• Cultural and Religious Considerations:   Funeral practices and traditions vary depending on cultural and religious beliefs. Respect the deceased's wishes and involve family members from different backgrounds in planning the send-off.

Important Resources

• ServiceOntario: https://www.ontario.ca/page/serviceontario allows you to obtain death certificates, register deaths
• City of Toronto Employment and Social Services: https://www.toronto.ca/community-people/employment-social-support/support-for-people-in-financial-need/assistance-through-ontario-works/policies-and-procedures/funerals-and-burials/ provides financial assistance for funerals
• The Bereavement Authority of Ontario: https://thebao.ca/ provides grief support resources
• Ontario Funeral Services Association: https://ofsa.org/ provides a directory of funeral homes

Remember:

• There is no right or wrong way to grieve. Allow yourself time to process your emotions and seek support from loved ones or grief counselours if needed.
• Take things one step at a time.  Dealing with the legalities and logistics can feel overwhelming, so prioritize tasks and don't hesitate to ask for help from friends, family, or professionals.
• Focus on honouring the memory of your loved one.  As you navigate the practicalities, remember to take time to celebrate the life of the deceased and cherish the memories you shared.

This guide is intended to provide a general overview of the process after a death in Toronto.  It's important to remember that specific situations may require additional steps or considerations. Don't hesitate to reach out to the resources listed above or consult with a professional for further guidance.