{"data":[{"tier":"tier_1_critical","label":"Critical","rank":1,"timeframe":"Within the first 5 working days, before the funeral where possible","short_timeframe":"Within 5 working days","why_it_matters":"Stops overpayments that become a debt to the estate, releases funds needed for the funeral, closes high-fraud-risk accounts, and is required to register the death and arrange the funeral.","organisation_count":87},{"tier":"tier_2_high","label":"High","rank":2,"timeframe":"Within 2 weeks","short_timeframe":"Within 2 weeks","why_it_matters":"Freezes accounts to prevent identity fraud, stops direct debits draining the estate, and starts long-running claims (life insurance, workplace pension lump sum, probate).","organisation_count":353},{"tier":"tier_3_medium","label":"Medium","rank":3,"timeframe":"Within 1 month","short_timeframe":"Within 1 month","why_it_matters":"Stops ongoing charges (subscriptions, utilities, telecoms, premiums), transfers or cancels services, and redirects post.","organisation_count":395},{"tier":"tier_4_low","label":"Low","rank":4,"timeframe":"Within 3 months, or opportunistically","short_timeframe":"Within 3 months","why_it_matters":"Loyalty and membership cleanup, social-media memorialisation, dormant retail accounts. No financial harm from delay.","organisation_count":74}],"meta":{"total":4}}