Next Steps

After the loss of your husband, navigating the next steps can be a daunting task.

It's completely normal to feel overwhelmed, and you may not know where to begin.

First, take a moment to grieve and allow yourself the necessary time to process your emotions.
Once ready, consider practical matters such as reviewing and organizing important documents, notifying relevant authorities, and understanding any financial implications.
Seek support from friends, family, or support groups to help cope with the emotional challenges.
Additionally, exploring resources such as grief counseling, books on healing, and connecting with local widow support groups can provide valuable guidance.

Remember, there is no set timeline for healing, so be patient with yourself and take each step at your own pace.

WHERE TO BEGIN

FIND SUPPORT

LEGAL & FINANCIAL MATTERS

LEAN ON GOD

TAKE CARE OF YOURSELF

FINDING JOY WHILE GRIEVING

Where to Begin

Significant Life Changes

Generally, it is advisable to refrain from making major life changes, such as selling your home or changing jobs, for at least one year.
If job-related concerns arise, inquire with your HR department about the possibility of taking a leave of absence or reducing your working hours temporarily.
It's natural to ponder whether staying in your current home is the right decision, as memories and familiar surroundings can evoke emotions and intensify grief. This is a typical response during the grieving process. If feasible, consider giving it some time. Having someone stay with you or temporarily residing with a friend or family member can provide support and help ease the transition back into your home without your husband.

You are not alone

Attend local Grief Share meetings
Reach out to your local Church or go to SUPPORT GROUPS on this website for additional options
Join us, Bell County Widows Unite as we get together the last Monday of every month for a potluck dinner.
Grief Counseling can also be very beneficial for many especially in the first year or two of your journey

Legal Matters

Reach out to your attorney promptly. If you don't have legal representation, seek a recommendation from a trusted friend or family member or refer to our Legal Resources page for references.
Your attorney will provide guidance on essential matters, including titles to your home, automobile, and other property, insurance policies, bank accounts, credit cards, and dependent issues.
Learn how a TODD (Transfer on Death Deed) can avoid probate prior to one's passing
Refer to the checklists below:

New Widows Complete Checklist

by Empyrion Weath Managment

New Widows Complete Checklist

by WidowedCommunity.com

Finances

Your financial advisor will guide you through issues such as:
- Gathering and reviewing all statements
- Notifying all institutions
- Modifying accounts and service providers
- Tax considerations
Identify recurring bills by referring to the last 6-12 months of bank statements.
Keep track of monthly income and expenses.
Order 5-10 death certificates. You may need original death certificates for financial/banking accounts, creditors, and life insurance policies.
Cancel your husband’s check cards and credit cards – although this is emotionally hard to do, it needs to be done to prevent fraud.
Request a free credit report for both you and your husband.

Life Insurance

Most financial notifications can wait, but a life insurance settlement is typically fairly easy to apply for.
Do not invest life insurance proceeds, or pay off any large debts immediately. Take time to make these big decisions and seek the advice of your financial planner.
Many companies offer life insurance to their employees. Contact your husband’s HR department to find out if he had a policy through his employer.

Social Security

Notify Social Security of your husband’s death. Visit the Social Security website for more information. You and your dependent children may be eligible for benefits.

Health

Grief may negatively impact your ability to sleep. Consider incorporating these tips for improving your sleep and overall health.
If your health insurance was held through your husband’s employer, contact his HR department as a first step.
Your financial planner may be able to provide information regarding personal health insurance options for the future.

Emotions

If you are having suicidal thoughts, get help immediately. Do not wait. Call 911 or The National Suicide Prevention Hotline...Dial 988.
Depression, severe emotions, and mood swings are very normal while you grieve. It is helpful to get professional help during this time. Refer to our Counseling Resources page for references.
Be aware that some prescription drugs may cause thoughts of suicide, increased anxiety, and other side effects that can exacerbate symptoms of grief. Investigate the side effects of any prescription drugs before you start taking them.