失去配偶会破坏一切. 当你承诺与他人分享你的生活时, 预计你们会在一起几十年. Those future plans are cut short when a spouse dies and your entire future changes. 为了找到一条新的道路, you need time to readjust and you need to find a way to continue on your own. 在没有帮助的情况下成为一个幸存的配偶, 指导, or support can be overwhelming—especially if you and your partner weren’t able to have discussions about money and make plans around your shared finances in advance. Here are some important steps to take as you undergo this tough transition after the loss of a spouse and start building a strategy for a future without your partner.
失去配偶后, 管理你的财务, 这是可以理解的, may not be a priority but they will come to the forefront sooner than you expect. Assessing all the financial details involving a partner can be complex, but the degree of complexity is unique to every relationship. Those who kept their finances independent may not have a lot to reorganize after losing someone. 但如果你积累了财富, 储蓄, 或者随着时间的推移和你的伴侣负债，并分享一切, you’ll now have to go over every account and will likely need some expert help. If your partner was the one managing the household overhead and balancing the family finances, 介入可能是一个很大的转变. 不过，越早开始越好.
Understanding your partner’s financial obligations and assets can be a small or large task, depending on what you’re aware of and what information is readily available. Ideally, you’ll have a will or trust that outlines these details. 如果不是, you’ll have to do some searching and find what you can through lawyers and financial advisors, 保险箱, 和个人文件. The goal is to gather as much information as you can so you’re aware of, 准备好管理, all of your loved one’s financial and legal responsibilities. This includes a variety of assets and debts you might not be aware of, 比如信用卡账户, 工作的好处, 和房地产项目. Try to gather everything you can to give yourself a transparent look at what your partner has left behind.
This type of unexpected transition is even more challenging when children are involved. The grieving process can be incredibly difficult when a child loses a loved one and the surviving parent is trying to cope with the loss as well. A core area of concentration for the 合乐888登录注册基金 has been to help grieving children and their families by providing access to 资源 for children as they grieve and 指导 for parents and other concerned adults. Children can also experience a strong sense of guilt over a loss, and they often worry that they’ll forget the family member who’s no longer in their life. 作为一个家长, you don’t have to handle all of your child’s needs on your own; you just need to make sure you have the right 资源 to move forward together.
This type of situation is a primary reason people have life insurance. 所以现在是使用它的时候了. 如果你的伴侣有合乐8注册登录, you should connect with his or her financial professional. 如果你是你伴侣保险的受益人, the financial professional will guide you through the steps to receive your benefit. 合乐888登录注册让你很容易 开始一个索赔 在线.
如果你的伴侣没有合乐8注册登录, you’ll still want to review all financial records and the insurance history in your partner’s name. And look into the possibility of any employer-provided life insurance or retirement funds you may not have been aware of. If you have a life insurance policy with your partner as the beneficiary, you’ll now want to change your beneficiary and see if you should adjust your policy details.
There are other details that you’ll have to address and resolve at some point after the loss of your partner—from small things like transferring names on your utility bills, to larger matters like transferring ownership of real estate assets and arranging a funeral. 花点时间把最紧急的事情排好优先顺序. Do what you can, tackling the most urgent priorities first. 不要不愿意寻求帮助来完成这些任务.
As you get organized and become more familiar with managing your family finances, shift your focus to retirement and start working toward a strategy that will provide you with comfort and stability. This can include choosing a new 储蓄 vehicle to contribute to that will grow in value over time. You may be surprised at how different your financial strategies could look without your partner.