Coming back from the dead is an ordeal. When your soul is returned, you take on four cursed soul fragments. Each fragment gives you a −1 penalty to all attack rolls, saving throws, and ability checks. Every time you finishes a long rest, the penalty and a single fragment is reduced by 1 until it disappears.
Note: When your character is brought back from the dead via Raise Dead or Resurrection, add four of these items to your inventory and equip them. Once you finish a long rest, remove one until they are gone.
Notes: Bonus: Melee Attacks, Bonus: Ranged Attacks, Bonus: Spell Attacks, Bonus: Ability Checks, Bonus: Saving Throws, Cursed