Major Life Changes
During this difficult time, it’s generally wise to avoid making big life changes, like selling your home or changing jobs, for at least a year. If you have concerns about your job, consider talking with your Human Resource department to explore options like a leave of absence or temporarily reducing your hours.
It’s natural to question whether you should remain in your home. Familiar surroundings and memories may bring both comfort and intense feelings. If possible, allow yourself some time before making a decision. You might find it helpful to have a friend or family member stay with you or spend some time with loved ones to ease the transition.
Emotional Support
If you experience thoughts of self-harm, seek help immediately by calling 911 or the Suicide Hotline at 988. Intense emotions, mood swings, and sadness are normal during grief, and professional support can be very beneficial. Be mindful that some medications can cause side effects, such as increased anxiety or suicidal thoughts, so review these before beginning any new prescriptions.
Legal Matters
It’s important to contact an attorney promptly. If you don’t have one, ask a trusted friend or family member for a recommendation. An attorney can assist with important matters, such as:
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Titles to your home, vehicle, and other property
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Insurance policies
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Bank accounts
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Credit card accounts
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Dependent arrangements
Finances
Reach out to a financial planner who can guide you through managing finances during this transition. If you don’t have a planner, ask someone you trust for a referral. A financial advisor can help you with:
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Organizing and reviewing financial statements
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Notifying financial institutions
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Updating account information
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Tax considerations
To stay on top of recurring bills, refer to the last 6–12 months of bank statements. Order 5–10 original death certificates, as you may need these for various accounts, creditors, and insurance claims. Even though it may be difficult, canceling your husband’s credit and debit cards is essential to prevent fraud. It’s also helpful to request a free credit report for both you and your husband.
Life Insurance
While most financial tasks can be delayed, it’s usually simple to apply for a life insurance settlement. Avoid making large financial decisions right away, such as investing insurance proceeds or paying off significant debts. Give yourself time, and consult your financial advisor before moving forward. Contact your husband’s Human Resource department if he held a life insurance policy through his employer.
Social Security
Notify the Social Security Administration of your husband’s passing. Their website (https://www.ssa.gov/)offers guidance on the process, and you or your dependents may be eligible for benefits.
Health
Grief can impact your sleep and overall health. Try to incorporate practices that may improve sleep quality and well-being. If your health insurance was provided through your husband’s employer, contact their HR department to discuss next steps. A financial planner may also offer advice on future health insurance options.
Household Matters
Be sure you know how to turn off the electricity, water, and natural gas in case of emergencies. It’s also wise to have contact information for repair and service providers on hand. Friends and family members can help you gather this information.
