@curtaincall sounds about right :] http://en.wikipedia.org/wiki/Heart_and_Souls
description summary:
“In 1959, Eva and Frank Reilly are on their way to the hospital, as Eva is about to have their first child. Their car collides with a bus, and the bus is run off a bridge. Harrison (Charles Grodin), Julia (Kyra Sedgwick), Milo (Tom Sizemore), and Penny (Alfre Woodard) were passengers on the bus and they are all killed. Each one had unfinished business in their lives, and instead of going to heaven, they find themselves as ghosts, tied to the newborn Thomas Reilly.”