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What you need to know if a loved one dies?
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<blockquote data-quote="timer lady" data-source="post: 236885" data-attributes="member: 393"><p><span style="font-size: 12px"><span style="font-family: 'Comic Sans MS'">Get an advanced directive & make sure your family knows where it is & what it contains. There are decisions on when & if it is time to let a person go....organ donation comes to mind. Then there is the funeral home, burial or cremation. These are all things that should be discussed, documented & filed with the advance directives & will.</span></span></p><p><span style="font-size: 12px"><span style="font-family: 'Comic Sans MS'"></span></span></p><p><span style="font-size: 12px"><span style="font-family: 'Comic Sans MS'">I have filled out my advanced directive, but because husband is deceased I must appoint a medical power of attorney. I expect one of my sisters at this point. Saying that, you can also appoint a medical power of attorney to insure that your advance directives are followed. That person would be in contact with the medical personnel & make medical decisions when you cannot speak for yourself.</span></span></p><p><span style="font-size: 12px"><span style="font-family: 'Comic Sans MS'"></span></span></p><p><span style="font-size: 12px"><span style="font-family: 'Comic Sans MS'">At home, I'm digging through paperwork; you need to order enough death certificates to ensure you can file for any life insurance, close bank & credit card accounts, take the deceased's name off insurance policies, cars, I ended up ordering an even dozen certified death certificates & may have to order more as many institutions do no accept copies. You have to notify social security. </span></span></p><p><span style="font-size: 12px"><span style="font-family: 'Comic Sans MS'"></span></span></p><p><span style="font-size: 12px"><span style="font-family: 'Comic Sans MS'">Passwords ~ I'm going nuts trying to "crack" into husband's computers. If the system goes down I have no clue what we're going to do. husband didn't share passwords (I asked many times) to any of his online accounts that I'd like to close; heck to his computers. </span></span></p><p><span style="font-size: 12px"><span style="font-family: 'Comic Sans MS'"></span></span></p><p><span style="font-size: 12px"><span style="font-family: 'Comic Sans MS'">Medical dental insurance is a concern & you should know where you stand if your loved one carries the health insurance. </span></span></p><p><span style="font-size: 12px"><span style="font-family: 'Comic Sans MS'"></span></span></p><p><span style="font-size: 12px"><span style="font-family: 'Comic Sans MS'">Be prepared to spend between 10 & 15 thousand (on average) for the funeral with all it's details. There are things I didn't realize - the cost of death certificates; the cremation certificate I need if I were to transport husband's cremains. I have the final service bill from the funeral home in front of me & it's staggering what is involved. The funeral home helped me with things I would not have considered.</span></span></p><p><span style="font-size: 12px"><span style="font-family: 'Comic Sans MS'"></span></span></p><p><span style="font-size: 12px"><span style="font-family: 'Comic Sans MS'">Magazine subscriptions. An extra key for any bank box or postal box. </span></span></p><p><span style="font-size: 12px"><span style="font-family: 'Comic Sans MS'"></span></span></p><p><span style="font-size: 12px"><span style="font-family: 'Comic Sans MS'">Final paychecks; any PTO. A contact person in HR is extremely helpful to have in your address book. </span></span></p><p><span style="font-size: 12px"><span style="font-family: 'Comic Sans MS'"></span></span></p><p><span style="font-size: 12px"><span style="font-family: 'Comic Sans MS'">If at all possible contact with a financial planner & a lawyer for estate concerns. </span></span></p><p><span style="font-size: 12px"><span style="font-family: 'Comic Sans MS'"></span></span></p><p><span style="font-size: 12px"><span style="font-family: 'Comic Sans MS'">A list of friends & co-workers to be notified. </span></span></p><p><span style="font-size: 12px"><span style="font-family: 'Comic Sans MS'"></span></span></p><p><span style="font-size: 12px"><span style="font-family: 'Comic Sans MS'">That's off the top of my head after the last 2 weeks. There's likely much that I'm missing. I expect the bereavement service that husband's employer is sending in to meet with me with think of things I'd never considered. </span></span></p><p><span style="font-size: 12px"><span style="font-family: 'Comic Sans MS'"></span></span></p></blockquote><p></p>
[QUOTE="timer lady, post: 236885, member: 393"] [SIZE=3][FONT=Comic Sans MS]Get an advanced directive & make sure your family knows where it is & what it contains. There are decisions on when & if it is time to let a person go....organ donation comes to mind. Then there is the funeral home, burial or cremation. These are all things that should be discussed, documented & filed with the advance directives & will. I have filled out my advanced directive, but because husband is deceased I must appoint a medical power of attorney. I expect one of my sisters at this point. Saying that, you can also appoint a medical power of attorney to insure that your advance directives are followed. That person would be in contact with the medical personnel & make medical decisions when you cannot speak for yourself. At home, I'm digging through paperwork; you need to order enough death certificates to ensure you can file for any life insurance, close bank & credit card accounts, take the deceased's name off insurance policies, cars, I ended up ordering an even dozen certified death certificates & may have to order more as many institutions do no accept copies. You have to notify social security. Passwords ~ I'm going nuts trying to "crack" into husband's computers. If the system goes down I have no clue what we're going to do. husband didn't share passwords (I asked many times) to any of his online accounts that I'd like to close; heck to his computers. Medical dental insurance is a concern & you should know where you stand if your loved one carries the health insurance. Be prepared to spend between 10 & 15 thousand (on average) for the funeral with all it's details. There are things I didn't realize - the cost of death certificates; the cremation certificate I need if I were to transport husband's cremains. I have the final service bill from the funeral home in front of me & it's staggering what is involved. The funeral home helped me with things I would not have considered. Magazine subscriptions. An extra key for any bank box or postal box. Final paychecks; any PTO. A contact person in HR is extremely helpful to have in your address book. If at all possible contact with a financial planner & a lawyer for estate concerns. A list of friends & co-workers to be notified. That's off the top of my head after the last 2 weeks. There's likely much that I'm missing. I expect the bereavement service that husband's employer is sending in to meet with me with think of things I'd never considered. [/FONT][/SIZE] [/QUOTE]
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