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Find out whether dependents (if any) are still eligible for health and/or insurance benefits and whether there is a life- insurance policy through the company. The Social Security Administration . Find out if survivors are entitled to any further benefits. Stop any monthly payments that the VA might be paying the deceased. Please read this article for more information about VA death, burial and memorial benefits for U. S. Determine which of the deceased's belongings to keep, which to distribute to family and friends, and which to donate or sell. A To- Do List for the Surviving Spouse. This checklist can help widows and widowers figure out which tasks to address early on, and which ones can wait. EDITOR'S NOTE: This article was originally published in the September 2. Kiplinger's Retirement Report. To subscribe, click here. The death of a spouse is one of the most devastating events of a person's life. To make matters worse, at a time when you feel incapable of dealing with life's routines, you're slammed with an avalanche of financial tasks that require immediate attention. This can be particularly stressful if the surviving spouse, usually the wife, did not play an active role in the household finances. SEE ALSO: Special Report on Maximizing Social Security Benefits. But despite the pressure to do so, this is precisely the wrong time to make major financial decisions. If you act precipitously, you may make costly mistakes that will be tough to unwind later. Don't give away money to your children or charity. Don't sell stocks or bonds. And don't agree to move in with an adult child, says Folk. Eventually, any of these steps may make perfect sense. But take a breather in the overwhelming weeks and months after a spouse dies. One other no- no: Don't allow a salesperson to talk you into buying financial products, such as an annuity or life insurance. Rehl wrote Moving Forward on Your Own: A Financial Guidebook for Widows (Rehl Financial Advisors, $2. To drive home her point, Rehl recounts the story of a widowed client who was paid a visit by an insurance agent. The agent came to deliver the proceeds from her husband's life insurance policy, and he persuaded her to sign over the check for a new policy that she did not need. A case in point for not making big decisions soon after a spouse's death is Maureen Saunders. The financial chores following the death of her husband, Hubert, from pancreatic cancer in 2. Although Saunders, now 5. She proved that her husband died after the deadline to be eligible for that month's payment, but it took weeks for the government to return the money. She did not realize that she would not be eligible for a survivor benefit until she turned 6. Petersburg, Fla. The checklist below can help surviving spouses figure out which tasks to address early on. The tips apply to husbands and wives. Gather the documents. If your late spouse ran the household finances, it would be great if he left behind an organized filing system as well as all the passwords you need to access computer files. But if you need to dig through the piles yourself, Rehl recommends starting a filing system using colored manila folders. Among the headings: banking, bills, credit- card statements, taxes, life insurance policies and estate documents. You'll need to gather Social Security numbers, birth and marriage certificates, military discharge papers, company benefits booklets, car titles, powers of attorney, and current statements for bank, brokerage and retirement accounts. Get 1. 0 to 2. 5 copies of your spouse's death certificate. The funeral director can help with this. Many financial institutions require a death certificate to close an account or to change ownership of investments. You'll need the certificate to transfer title on real estate and to claim life insurance and veterans benefits. Make sure to pay your bills for credit cards, utilities, car loans, property tax, insurance premiums and the mortgage. You could incur late charges if you let these tasks slide. Also cancel club memberships and magazine subscriptions that you don't need. Explain the situation and you may get a partial refund. Folk suggests that you keep a joint checking account for at least a year. Charles Simon, a certified financial planner with Taconic Advisors in Poughkeepsie, N. Y., suggests creating a . Cavalla, 6. 4, says the broker wanted to take control of more of the investments, so she began initialing documents. She didn't know what she owned. In addition, the new widow couldn't follow her lawyer's instructions to retitle property or take other steps to prepare the estate for probate and estate taxes. If you need to find a fee- only planner, contact the National Association of Personal Financial Advisors (www. Assess your cash flow. While you should postpone big financial decisions, you should take stock quickly of your expenses and income. Make a list of your income sources: Social Security, pension payments, dividends, interest, job earnings and IRA distributions. Write down your fixed expenses, such as groceries, mortgage payments, utilities and insurance. Check your deceased spouse's check register, too. Make a separate list for your discretionary costs, such as gifts and travel. Some income payments may decline. For instance, if your husband was receiving a Social Security benefit and you were getting a 5. But some expenses will end as well, such as your spouse's Medicare premiums. If you can't find the life insurance policy and you don't have an agent, go through checkbook registers and canceled checks to see if there were any checks written to an insurance company. For a fee, the MIB Solutions' Policy Locator Service (www. Your spouse also may have had a group policy through an employer or former employer or professional or fraternal organizations. When you file a claim, you may have choices regarding how you will receive the money. Read the fine print carefully. In some cases, an insurance company will place your funds into its own money- market funds and send you a checkbook. Turn down this option, and then place the money in a federally insured bank account or a money- market fund. If you're instead considering guaranteed monthly payments for life, seek the advice of your lawyer or financial adviser. Prepare the estate. Until you meet with your estate lawyer, hold off on placing your spouse's assets in your own name, says Wynne Whitman, an estate lawyer with Schenck, Price, Smith & King, in Florham Park, N. J. If you touch assets in your spouse's name, you'll lose any opportunity to . If you forgo these assets, they will not count against your federal or state estate- tax exemption when you die. You have nine months from the date of your spouse's death to file a federal estate- tax return. Some states have earlier deadlines for filing returns for state estate and inheritance taxes. Whitman suggests that you save all receipts related to the estate, especially if the estate's value is close to or exceeds the estate- tax exemption. If your spouse was employed at the time of his death, call the benefits administrator to ask about benefits due to you. Besides life insurance, these can include unpaid salary and bonuses, accrued vacation and sick pay, leftover funds in a medical flexible spending account, and stock options. You'll also need to check on pension benefits. Assuming your spouse was retired and you were both receiving monthly pension benefits in the form of a joint and survivor annuity, notify the plan administrator immediately, says Rebecca Davis, a lawyer with the Pension Rights Center, in Washington, D. C. Depending on the type of annuity you chose, you could be due 5. If your spouse still had accounts from former employers, consolidate them into one IRA. The custodial firm that holds your IRA can help with the paperwork. The 4. 01(k)- to- IRA rollover can be dicey. Ask the 4. 01(k) administrator to make a direct transfer to the IRA. If the plan instead sends you a check, get it into the IRA within 6. If you miss the 6. IRS will consider the money to be a withdrawal and you will pay tax on the entire amount. If you were receiving health coverage under your spouse's employer plan, you may be able to continue on the group plan for 3. COBRA coverage. If you are the only beneficiary of your spouse's IRA, you can roll the retirement plan into your own IRA tax- free. If he didn't, you must take his RMD by December 3. In the following years, after you've rolled the plan into your own IRA, you can skip distributions until you're 7. Once you turn 7. 0 1/2, your required distributions will be based on your life expectancy. It may be wise to forgo a rollover if you're younger than 5. By leaving the account in your spouse's name and remaining as a . After you turn 5. If your spouse left you a Roth IRA, you can claim the Roth IRA as your own, in which case distributions are never required during your lifetime. Claim a Social Security benefit. A widow or widower is entitled to a survivor benefit that is equal to 1. You can collect a survivor benefit as early as 6. At that point, the spousal benefit will disappear. If you are younger than full retirement age and decide to wait to claim the full survivor benefit, you will stop receiving the spousal benefit. If your husband dies before claiming a benefit, you will be eligible for a survivor benefit equal to the benefit he was entitled to at the time of his death. |
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