Social Security

If you are due benefits from Social Security, contact them right away to at least set an appointment.  I thought I had to wait until I had the death certificate and that held up benefits for several months.  I will post additional information on Social Security shortly.  

Their phone number is: 1-800-772-1213

One day at a time,
Penelope

Basics/Early On

Here are some basic suggestions for the very beginning, but are useful throughout the grieving process.....  In everything I write, these are suggestions.  Always do what you think is best for you and your family EVEN if it is different than what I am suggesting. 

1 - Sleep ANY time you feel like you can EVEN if it is at odd times.

2 - Eat as often as you can remember to.  If someone offers to bring food - - let them!

3 - Take things one day at a time..... don't get too far ahead. Some things will fall into place as time goes by like if one needs to change where to live or their work situation.

4 - With that in mind, try not to make any major decisions in the first several months.. or even a year if possible. 

5 - Choose one or two important thing(s) a day to get done... most of the rest can wait.

6 - With regard to children - ANYTHING is normal right now and kids grieve differently than adults. My kids desperately just wanted things to be "normal." There will be more about this over time.

7 - When people offer help either accept it - or if it doesn't seem helpful at the moment, I would say, "Thank you, but I don't really know what I need right now. Would it be ok if I gave you a call when I figure that out?" That keeps the door open to ask them for something later if need be.

One day at a time,
Penelope

First Year/General

I just finished the post on making decisions during the first year.  There are so many things  that happen for the first time during that year.  I am not completely through it, myself, still having the holiday season approaching.  

I expected certain days to be challenging - my birthday, the children's birthday, Father's Day.  All of the major holidays of course, our anniversary, his birthday.  Any other dates that have special meaning in your lives... maybe the day of your first date for example.  There will be more on these specifically in a later post.

The things I did not expect, were to feel sad at the change of seasons - the first cherry blossoms on our tree out front, the last day of school, the leaves changing in the fall and  the first snow fall.  My husband was a big football fan, especially the Gators.  One of the last things he did was watch a Gator game.  They won that game!  I have not been able to watch or follow football this year.  Each of these, mark the passage of time.  Each  remind you that your spouse is not there to see it.  

I want the tone of this blog to remain positive and helpful, but I feel it must also be honest.  My intention in sharing this is to have you be prepared if this happens in your life.   It may not.  

Someone, a few months ahead of where I am, recently shared her experience.  I hope that she will post it in the comments section as she shared it so eloquently.  Paraphrasing what she said.... When one has a loss in their lives, there is a hole in your life where your loved one used to be.  Over time, once in a while, gratitude and joy start to fill that space where the pain resides.  It comes from the fact that this person was a part of your life.  I can see this with my husband.  We accomplished a lot together, we have 2 beautiful children and although we had our ups and downs like any relationship, we had a good life together. For all of this I am grateful.

One day at a time!
Penelope  

First Year/Decisions

It is almost cliche to say don't make any big decisions during the first year.  Sometimes this may not be possible.  You may have to take a job or may have to move for financial or other reasons.  If this is the case, do what you need to do.  

If a decision does not have to be made right away, then my suggestion would be to postpone making it until you feel capable of doing so with a clear thought process.  In many cases this make take a year or even longer.  At the time of this writing, I am only 9 months into this myself, so I cannot really answer that adequately right now.  It seemed by 9 months things would get better and easier... the same length of time to grow a baby, right?  There will be more on this in a later post.

I was recently faced with a rather large decision.  As always, I can only share my experience.. .and hope that others will also in the comments. I found myself changing my mind from the morning to the evening and doing the same thing the next day.  Fortunately, I do not have to make this decision today.  This drove home the point to me, of why people tell you to wait.  

One day at a time!
Penelope   

Payment at Funeral Homes/Cemetery

Along with all of the stress during this difficult time comes the added financial stress of paying for the services and burial or cremation.  If you are receiving life insurance proceeds, make sure to talk to the funeral home or cemetery about taking an "assignment" from the life insurance.  What this means is that the insurance will pay the funeral home first and then send you the remaining insurance amount.  The importance of this is that one does not have to come up with payment to the funeral home at this moment.  They, understandably, want to be paid for their services.  Funerals and burials become quite expensive very quickly.... not having to come up with that money is one less thing to be concerned about.  

Assignments are pretty much standard practice and should not be an issue.  In Florida, the funeral home I worked with used a third party to process the assignments.  There was an additional fee for using this company.  It was almost like a loan to cover the time between the actual service and the time the funeral home receives the money from the insurance company.  In my case this was an unusually long time (about 5 months.)  In larger cities and more urban areas this may become more of a standard practice, but in smaller communities, it does not seem to be happening as much.  

Since my insurance was coming from a well known company, I had the human resources person (through my husband's work) negotiate the additional fee for the service and did not end up having to pay it.  I do not know how successful this would be in general.  

One day at a time,

Penelope 

  

Death Certificates

At the time of this post, I have experience in Florida, Maryland, Washington, DC  and Pennsylvania.  My feeling is that this is consistent across the states, but I do not know that for sure.  Generally the funeral home helps with the death certificates.  You tell them how many you need and they get them for you initially.  If more copies are needed later on, one gets them through the Department of Health or Vital Statistics in your state.

The advice I was given, was good advice... get more than you think you will need.  Many institutions require the original certificate with a raised seal.  

I began including a self addressed stamped envelope with a note asking to return the certificate if they did not need to keep the original and got 2 back that way.  

Some of the places that will require a death certificate are listed below:

• Life insurance policy (or policies)
• Pension, IRA or other benefits
• Social Security
• Union or other benefits
• Accounts at banks or credit unions
• Stocks and bonds
• Titles and deeds to property
• Vehicle registration and title transfer
• Attorneys and CPA's
• Home mortgage
• Other insurance (home, auto)
• Credit cards and other accounts 
• Keep an original certified copy for your own records (and children may also need them at some point.)

This list is not meant to be all inclusive.  Please feel free to list additional suggestions in the comments below. 

Over time I would like to list in the comments section all 50 states and feel free to list information for other countries as well.   Please enter the STATE NAME in ALL CAPITAL LETTERS first, to make it easy to find.  Follow this with any information and links, especially to the state departments of health or vital statistics.

One day at a time,
Penelope