How to handle Death closure of TD product.?

During the death closure of a TD account, the User has to choose the previous completed year of TD tenure, as the closure value date in the menu HCAACTD. e.g. TD account was opened on 5-3-2010 for 5 years. The customer dies and the legal heir of customer asks for closure on 25-10-2013. Since TD has run for 3 years, 7 months and 20 days, during closure the user has to choose the completed year of the tenure as on date of death i.e. 3 years only and enter the closure value date as 5-3-2013. Once the user goes into the closure details page of the menu HCAACTD, Collect penal flag has to be chosen as ‘No’ and in closure exceptions tab, closure reason code has to be selected as ‘DTCLM’