Dealing with the sudden death of a family member can be extremely difficult. During such a trying time, it is vital for you to take time to yourself and make the appropriate arrangements. Though it can be overwhelming, planning ahead will allow you to go through the appropriate steps and take time to grieve.
Having A Plan Beforehand
Death has no respect for convenience. In most cases, loved ones rarely depart from us on a pre-arranged schedule. Developing a plan to deal with the passing of a family member—before the time comes—can help alleviate some of the stress of the situation and help one to better grieve. The steps below are a brief discussion of the considerations needed to put such a plan into place.
Check with Employers
One of the first and most important steps during the process is to speak with your employer to determine what benefits and coverages you will have available. Regardless of the loved one’s financial position in the family, you may be eligible for a number of assistance packages that will make the management process much easier to handle.
These can include life insurance policies, bereavement packages, general insurance coverages, and personalized payouts. Different companies will always have different packages and rules regarding these policies, but it is always crucial to get to the bottom of what is available to you. If you are running across difficulties during this step, it is recommended to speak with a legal professional for the appropriate compensation.
Explore All Options
In addition to employment packages, it is important to make sure that you are financially covered throughout the process. This means taking the time to explore your other options, especially if the sudden death is of a loved one who was the household’s primary financier.
In times of extreme need like this know your options to get emergency money you need. When you don’t have enough saved to cover funeral and other unexpected emergency expenses that come with a passing, lean on family or turn to online direct lenders for short-term support during this unexpected tragedy.
In most cases, applying for loans through traditional avenues such as your bank may not make funds available as quickly. For example, if you were to seek a home equity line of credit there’d be a processing period that could last months (inspections, appraisals, etc.) To have a better idea of the time-line for processing such requests, it’s recommended to have a discussion with a loan officer.
Once all of the finances are secured, it is vital to proceed by making the appropriate funeral arrangements. Though the steps may vary, they usually involve getting started on the obituary by compiling all of the necessary information.
From there, you can contact a funeral home and begin learning about their rates and options. There are different types of dispositions available, ranging from traditional burials to cremations. The type of service that you choose depends largely on previous arrangements.
If your loved one has left a will, it is important to arrange their disposition according to their wishes. If they did not leave a will, focus on organizing their funeral to the best of your ability. Always work with those close to the deceased to celebrate their life through the appropriate funeral arrangements.
Finalize the Details
Dealing with things like cleaning and selling the loved one’s home will come next on the list. It is important to make sure that the loved one’s affairs are all in order at the conclusion of their life to ensure that no potential disputes or issues could occur. Focusing on their will can allow you to clear up confusion as well.
Make sure that you pay attention to the specific details if there are elements that could cause problems in the future. Working with others that the deceased was close to can allow you to prepare more efficiently.
Seek Emotional Support
Finally, it is vital for you to grieve properly. Taking care of the final arrangements of the loved one can be difficult, especially after a sudden death, so it is important for you to seek as much emotional support as you can during and after the process.
This means not only talking to those that you can trust but also speaking to a professional as it is necessary. A licensed grief counselor will be able to provide you with insight into your unique situation that you may not have been able to glimpse otherwise. Take time to yourself as you need, as taking care of your emotional health during this period is crucial.
Some steps may be more difficult than others, depending on the specifics of the arrangements. No matter what, it is always a good idea to work with friends and other loved ones to make the process easier to manage. Take the process one step at a time, and never be afraid to seek help where you need it.