SEATTLE, WASHINGTON (Press Release) – After losing your spouse, it is likely that your main parents, friends, or relatives will form feelings of denial, anger, and depression, but also other stages such as negotiation and acceptance. While it may not be easy, your elderly loved one will have to deal with a variety of economic decisions by oscillating between these phases of grief, and your support and guidance will be essential during this time. How can you help your loved one make important financial decisions while facing his or her loss?
Help your loved one cope with grief
When your main parent, relative, or friend loses a spouse, your loved one will likely suffer the emotional and physical effects of grief. According to the National Institute on Aging (NIA), there are difficulties in eating, sleeping, concentrating, and making decisions. However, you can help your elderly relative cope with their grief by making sure they get enough sleep, exercise regularly, eat well, and spend time with friends and family. Creative activities such as newspaper, drawing and painting can also be helpful, including:
- Visit a local senior center.
- Taking a pet.
- Pain counseling services.
- A nonprofit begins in honor of her spouse.
Make Final Arrangements
In addition to helping your elderly loved one cope with the tragic loss of his or her spouse, it is important to help your parents, family, or friend cope with financial decisions, such as reviewing the deceased’s last wishes and arranging funeral arrangements. It is usually best to adapt the deceased’s last wishes as best as possible, but in some cases changes may be necessary. Usually, your loved one needs help:
- When planning a funeral or memorial service, you will need to choose between a regular funeral service or a live funeral. If the ceremony will be held after the funeral of the deceased, a memorial service may be held.
- Additional expenses. Recent expenses may include the purchase of a coffin, tomb liner or grave vault, opening and closing of the grave, and a memorial tombstone.
Consider Last Expense Insurance
If the deceased spouse had purchased the last expenses insurance policy before leaving, that policy can be used to cover many funeral expenses. In some cases, the policy may also cover unpaid medical bills and debts. If a surviving parent, relative, or friend has not purchased a final expense insurance for him or her, however, this may be a good time to consider the benefits of doing so. These policies can be used to pay for the funeral expenses, coffins, burial expenses, and leftover bills and debts of your loved one.
What comes next
After arranging the funeral and examining the benefits of funeral insurance, you should report the death to all necessary authorities – including the Social Security Administration (SSA) and the relevant financial and legal entities. Your loved one’s estate planning documents should also be updated at this time.
When the funeral is over, your loved one will have to handle the home accounting on their own. Depending on the economic situation, they can stay at home and apply for bills that cannot pay for life insurance benefits, and live comfortably with retirement savings. On the other hand, if your loved one needs to shrink based on physical or income needs, they should think about selling their family home, shrinking their belongings, and moving to a smaller home or an older community. There’s a lot to think about at once, and it’s likely to leave your loved one in the lurch.
Offer to go through all the steps and try to manage a few things at once. Start gathering the necessary documents, determining the value of the property, comparing the house to other local listings, talking to an experienced real estate agent, and starting the sale. Then comes the discovery of a new place to live and the classification of goods. As you can see, from an accumulated perspective, all of this can be difficult for your loved one. Practice patience and be a driver of your presence as often as possible.
None of these tasks will be easy when you are mourning the loss of your parent, friend, or relative, but your compassion, support, and guidance will be crucial to the health and well-being of your elderly loved one as you cope. spouse with tremendous loss.
Previously provided by MentalHealthforSeniors.com, which is focused on providing information about physical and mental fitness to seniors.