Losing a spouse is a major life event that completely changes everything. This means that everything can become incredibly overwhelming during grief, meaning the last thing you want to do is look after the admin side of things. Just remember that you don’t have to handle everything on your own.
In this post, we’ll take a look at 17 important things you need to do when a spouse passes.
Notify Close Family and Friends
To begin with, it’s important to let loved ones know about your spouse’s passing. Some people may prefer to reach out in person or over the phone, while others might find it easier to ask a close friend or family member to help spread the word.
People will want to offer their condolences and assistance, which can be incredibly comforting during such a tough time.
Arrange for Funeral or Memorial Services
Right now, planning a service is another pressing matter that often falls to the surviving spouse or close family members. It can feel like an overwhelming task when emotions are high.
To make things easier, start by reviewing any pre-arranged plans your spouse might have made. If nothing is set, you can lean on funeral homes for guidance.
Obtain Official Death Certificates
At this point, securing multiple copies of the death certificate is essential for handling legal and financial matters. Many organizations, such as banks and insurance companies, will require an official copy to close or transfer accounts. A good place to start is by contacting the funeral home or the local vital records office to request certified copies.
Notify Social Security and Pension Providers
Without a doubt, notifying the Social Security Administration and any pension providers is crucial to avoid complications down the line. Benefits may need to be adjusted or stopped, and in some cases, you may be eligible for survivor benefits.
You can begin the process by calling Social Security directly or visiting their website to report the death.
Review and Close Financial Accounts
Truthfully, managing financial accounts can feel daunting, but it’s an important step to take early on. Begin by making a list of all joint and individual accounts, including bank accounts, credit cards, and investment accounts.
Contact each financial institution to inform them of your spouse’s passing and inquire about the necessary steps to close or transfer funds.
Contact Insurance Companies
The next thing to consider is reaching out to all insurance providers, including life, health, and auto insurance companies. Life insurance policies, in particular, may provide financial relief, so it’s worth getting in touch with the provider as soon as possible. You’ll likely need a death certificate and policy details to begin the claims process.
Settle Outstanding Debts and Bills
Understandably, dealing with outstanding debts and bills is not something anyone wants to face during such an emotional time. However, addressing them early can prevent additional stress later.
Start by reviewing recent statements and notifying creditors of your spouse’s passing. Some debts may be forgiven, depending on the situation, while others will need to be settled.
Update Property Titles and Deeds
At some point, updating property titles and deeds will need to be addressed to ensure legal ownership transitions smoothly. Real estate, vehicles, and other significant assets may require a formal transfer of ownership.
A visit to the local county recorder’s office or the Department of Motor Vehicles can help you understand the process.
Review Legal Documents and Estate Plans
To be honest, taking a look at legal documents and estate plans is something that shouldn’t be put off for too long. Wills, trusts, and power of attorney documents may need to be updated to reflect the new circumstances. If your spouse had an attorney, reaching out to them for guidance can make things easier.
Notify Employers and Cancel Subscriptions
As you can probably guess, it’s important to inform your spouse’s employer about their passing. If they were still working, you may need to discuss final paychecks, unused vacation days, or other employment benefits they were entitled to receive. Some employers offer survivor benefits or assistance with health insurance, so it’s worth asking about available options.
Secure and Organize Important Documents
Before too much time passes, gathering and organizing all important documents related to your spouse is a good step. This includes their birth certificate, marriage license, social security card, military discharge papers (if applicable), and any financial or legal paperwork. Also, digital copies stored securely can be helpful when dealing with online accounts or insurance claims.
Take Inventory of Personal Belongings
Eventually, taking stock of your spouse’s personal belongings will be necessary. This process can be emotional, but it’s important to go through their possessions to determine what should be kept, donated, or shared with loved ones. Start with small areas like a closet or a drawer, rather than trying to tackle everything at once.
Update Utility Accounts and Household Services
After a while, it’s necessary to update household accounts to reflect your new circumstances. Utilities such as electricity, water, and internet services may still be in your spouse’s name, and switching them over can prevent any interruptions. Many service providers will require a copy of the death certificate to process the changes.
Review Tax Responsibilities
Sooner or later, taxes will need to be addressed, and understanding your responsibilities as a surviving spouse is crucial. If your spouse owed any taxes, it’s important to settle them to avoid penalties.
Some states offer exemptions or special considerations for widows and widowers, so it’s worth exploring what options are available in your area.
Consider Downsizing or Relocating
When the right time comes, you might want to consider whether your current living situation still suits your needs. The home you shared with your spouse may feel too large or carry too many memories, making downsizing or relocating an option worth exploring. This decision doesn’t have to be rushed, but thinking about what feels right for your future can provide clarity.
Address Emotional Well-Being
More than anything, taking care of your emotional health is an important part of coping with loss. The grieving process looks different for everyone, and there’s no set timeline for healing. It’s okay to experience a range of emotions, from sadness to moments of joy, as you learn to work through life without your spouse.
Plan for the Future with a Financial Advisor
As you look ahead, working with a financial advisor can help you create a plan for the future. They can help with budgeting, investing, and making sure you’re financially secure in the years to come. By taking proactive steps, you can help you regain a sense of control and peace of mind moving forward.