2 Widow s is a gift from Foundation to assist those who have experienced the loss of a spouse. Although this brochure is primarily intended for grieving widows, many of the items included are applicable to widowers (men) as well. Our primary desire is to help and serve you during this time of need, whether you are seeking guidance before or after the passing of your spouse. This guide is intended to provide a framework and general guidelines to assist you. It is not the intention of Foundation to offer specific investment, legal or tax advice in regard to a specific technique, product or financial matter. You are encouraged to consult with your financial, legal and tax advisers. This brochure is also not intended to serve as an endorsement of or for any type of specific legal document. Foundation is a 501(c)(3) ministry of Baptist Church. Our Mission Statement Foundation is a servant ministry that, through gracious direct gifts and legacy estate gifts, provides perpetual funding to the ministries of Baptist Church. foundation allows individuals and families to leave a legacy by making a difference for God s kingdom not only today, but until the day Jesus returns. ministry of Foundation is twofold: Planned Giving Endowments Charitable Gift Annuities Charitable Remainder/Lead Trusts Legacy Gifts Direct Cash Gifts, Stocks and Real Estate Servant Ministry Will Drive Biblical Financial Teaching and Guidance Career Transitions Ministry New Widow s and Assistance For more information, please feel free to call Ron Kelley at or
3 UPON THE DEATH OF A SPOUSE He will wipe away every tear from their eyes, and death shall be no more, neither shall there be mourning, nor crying, nor pain anymore, for the former things have passed away. Revelation 21:4 Nobody ever told me that grief felt so much like fear, C.S. Lewis opens his story of personal bereavement in A Grief Observed. A sentiment echoed by far too many, death has become an entity too familiar to most. This guide exists to serve as a reminder that death is not the end, and that while it may separate, you are not alone in this. As the body of Christ known as the Church, we are here to encourage, strengthen, and assist as you transition during this season of life. You are prayed for, cared for, and loved more than you could imagine. We hope this guide helps to provide a foundation in these troubling times. May God bless and watch over you in the coming days.
4 FIRST STEPS CONTACTS FUNERAL HOME One of your first contacts should be the funeral home. home can help prepare you for what is to come and tell you what to expect when it comes to dealing with medical examiners, benefit claims and obituaries. In regard to writing an obituary, jot down pertinent information about your spouse s life, education, career, military service, notable achievements, etc., to assist the funeral director in compiling information for obituaries in local newspapers. Most funeral homes will take care of death certificates and may even help in expediting and filling out life insurance claims. A list of local funeral homes is provided in the last section of this document. SUPPORT GROUPS Family and Friends Your family and close friends will want to know when a tragedy has occurred. This is the time for them to rally around you and help provide the physical and emotional support that is needed. y can help take care of the most basic daily tasks and assist with meals. ir very presence will offer valuable company and support as you grieve. Church Family Begin by contacting your Age-Group Minister or Bible Fellowship leader. se are the times when prayer shakes the foundation in the heavens. Believers will face burdens more than they can individually bear (2 Corinthians 1:8) but now the people of God can truly come alongside you. And when the Church is with you, there is nothing we cannot handle together. Your life is not a burden to others; we re supposed to rely on each other when we are in trouble, and then we help those who are struggling. In this way, the body not only works together, but also strengthens itself. LEGAL DOCUMENTATION DEATH CERTIFICATES Death certificates are required in order to make claims and complete any legal work that is ensuing. It is recommended that you request six to 10 official copies, as you will need the documents for multiple circumstances. funeral home should be able to provide as many copies as you need.
5 LAST WILL AND TESTAMENT (to be completed before an individual is deceased) Although wills are acceptable even when written by hand by an individual, it is best to have an attorney draw up a will because of the many legal technicalities. Once you have a will, you should keep it somewhere other than a safe-deposit box; a fireproof safe is a better alternative. You can name anyone older than 18 to act as executor of your will and estate. However, you should be sure to choose someone who is responsible, who knows your heart and would feel like it is an honor to serve you and your family by completing this important task. This person has the responsibility to investigate claims, pay debts, file and pay taxes, distribute remaining assets, etc. existence of a will does not necessarily void the probate process. It is best to hire an estate attorney who will guide you and your executor through the process for a nominal fee. If you are in need of a referral for an estate attorney, Foundation will gladly assist you. If your spouse did not have a will, the process can become very complicated. A judge will determine the disposition of the deceased s assets, regardless of what the deceased would have wanted. TRUSTS (to be established before an individual is deceased) A trust is a legal contract to manage your money or assets after death. It is considered a private document, and therefore not open to the public. Again, because of technicalities and complexity, it is strongly recommended that you work with an estate attorney and financial adviser to develop your game plan to determine the need for a trust of any type. PROBATE PROCESS Probate is an important part of the process of settling the estate. Probate includes determining heirs, paying creditors, distributing assets, and changing names on deeds/titles. All contractual assets payable to the estate s owner must go through probate court. estate may have to be probated, whether or not there is a will in place. Generally the probate is reviewed within 30 days with accompanying court costs. Uniform Probate Code outlines specific rights of a surviving spouse if there is neither a will nor trust, but this can be a costly, stressful and lengthy process. It is highly recommended that you have an estate attorney oversee this process, especially if there are assets. Please note that in some instances the probate process can be bypassed by having an affidavit submitted to the court, but, once again, this requires consulting with a qualified estate attorney. ATTORNEY Although in some simple estates, the use of an attorney may not be necessary, it is recommended that one be consulted to make sure all bases are covered. Making sure everything is correct will alleviate any potential issues that could cause stress and worry.
6 FILING FOR BENEFITS LIFE INSURANCE Contact your life insurance agent to receive the necessary forms to file a claim. Check to see if your spouse had any life insurance through an employer, credit card, bank, or through another option. Life insurance claims typically require the claimant s statement and/or a death certificate or attending physician s statement. WORK BENEFITS & RETIREMENT ACCOUNTS (401K, Pension, IRA) If your spouse was still employed, contact his or her employer s Human Resource department. Ask if your spouse was covered by group insurance. Ask about benefits that may be due and how to file a claim. Also, be sure to check on fund benefits, accrued vacation, sick pay, terminal pay allowances, disability, credit union balances and other questions you might have. See if any dependents are still covered under the hospital, surgical and disability coverages. Most companies will be helpful and will provide a comprehensive package that will allow you to file all entitled claims and benefits. It is critical that you check with each of your spouse s former employers, as you may discover a pension or annuity benefit that may have been forgotten. SOCIAL SECURITY BENEFITS When a person who is covered by Social Security (www.ssa.gov) passes away, it is important that survivors file for benefits in a timely manner. When applying for Social Security benefits, you will generally need: Social Security numbers for you and your spouse, marriage certificate, death certificate, and possibly the bank account number of the beneficiary. A person with at least 10 years of contributions to Social Security can normally be assumed to be fully vested; less time or participation means less benefits. Certain conditions may allow you to draw from your spouse s contributions, such as for retirement or for the care of dependent children. Social Security in most cases will pay a one-time death benefit (about $255) to assist with burial expenses. At age 65 you may also be eligible for Medicare benefits. VETERANS AFFAIRS Contact the Department of Veterans Affairs (www.va.gov) for these benefits. In general, to receive Veterans Affairs and Military Benefits, a veteran s active duty must have ended on honorable terms. If ending on a bad conduct discharge, some people may still qualify, but the events surrounding the charge will be reviewed. Some benefits may be given for the purpose of education if a veteran dies or is permanently disabled in action. se may also apply to the spouse and/or children of one who is a POW or MIA for more than 90 days. Additionally, the veteran may be eligible for burial in a state or national cemetery, funeral reimbursements, possible life insurance benefits and other honors.
7 UPDATES, CHANGES AND NOTIFICATIONS BANKS Update the contents of your safe-deposit box if you have one. Remember, this is not the optimal place to store a will. Change the names on all bank account information. Double-check automatic bank account information, such as auto draft, and auto debit. Consider creating a temporary account for interim expenses as you deal with deposits and expenses that are strictly associated with estate business. FINANCIALS re are other things that need to be changed, including names on property and auto titles. Other accounts to update: credit cards, gas, electric, water, lawn, phone, newspaper, calling plans, cable, Internet. Check scheduled debts payable through your checking account that your spouse may have set up to be paid automatically, so you are not caught off-guard when that money is withdrawn from your account. OTHERS Close or transfer accounts. Update your will and/or trust since your spouse most likely was named in the document. Update your medical power of attorney and any other joint decisions where choices may need to be deferred. Update any life insurance policies, IRAs or 401K funds in which your spouse was listed as a benefactor.
8 BILLS AND TAXES DEBTS It is easy to get bogged down and overwhelmed with everything that is happening. Some tasks can slip your mind. This is why it is important to continue paying your bills or to find someone who can be in charge of this task during these difficult days. Review any debts that are owed and any debts that people owe you so that you can have a better understanding of what your financial landscape looks like. As mentioned earlier, it may be good to set up a temporary bank account to use for these expenses. If you have never handled the family s bills, have a trusted family member or friend assist you in getting everything in order. Foundation also assists those in need of setting up a spending plan and schedule for bill payment at no cost to a church member. FEDERAL ESTATE TAX You may have to pay the federal estate tax. federal estate tax is generally the largest levied on an estate after a person has passed away. guidelines for this tax change from year to year. Often the taxes are differentiated based on the amount of the estate. tax is due roughly nine months from the date of death. It is highly recommended that you seek advice from an estate attorney and/or financial planner. STATE TAX Texas currently has no state estate tax. se taxes vary from state to state so be sure to check with the state where you reside permanently. OTHER TAXES Income taxes need to be filed for the deceased by April 15.
9 IN THE DAYS AHEAD MAKING IMPORTANT DECISIONS Should I sell our house and downsize? Invest my retirement in a new opportunity? se are just two examples of the types of questions you may be faced with following the death of your spouse. It is best to hold off making any major decisions while you are still dealing with significant grief. Make no big decisions, whether investing, taking out loans or buying a new car, that could jeopardize your financial future for at least one year. Because of your vulnerability during this time, some people may try to take advantage. Others are genuinely trying to help you, but if it is possible, try not to use money from the estate. If feasible, put the money in an insured savings account and live off the interest for a year. This gives you time to adjust to your new life and to become educated on money management. HEALTH AND MEDICAL INSURANCE If your spouse was employed at the time of his/her passing, the employer may offer surving dependents the option of continuing heath insurance for up to 36 months after that employee s death. Coverage is offered at the same rate the company pays; this amount can increase each year. If you do not have access to health insurance through a company, consider working with an organization, such as a service or industry organization. LIFE INSURANCE If you have life insurance, update your beneficiary information as soon as possible.
10 SOME ENCOURAGEMENT No one can know the depths of another s pain. And different people find comfort in different things. I hope the following Scripture and messages bring a sense of peace to your heart. This season of life is very difficult. Always remember that God has a special heart for people who are hurting. Deuteronomical law had provisions made to take care of widows. Hosea was put through a situation that no person would want to experience, and was able to relate to God like no other person could experience. Naomi and her daughter-in-law Ruth were both widows. Ruth persevered, had a son named Obed and was the great-grandmother of King David. When Abigail s husband was struck dead, God provided for her, too. widow that Jesus observes in Mark 12:43 44 serves as an example of unwavering faith. Most of 1 Timothy 5 is dedicated to instruction for helping widows. In fact, God speaks to taking care of widows quite often. Some examples: You shall not mistreat any widow or fatherless child. Exodus 22:22 He executes justice for the fatherless and the widow, and loves the sojourner, giving him food and clothing. Deuteronomy 10:18 Father of the fatherless and protector of widows is God in his holy habitation. Psalm 68:5 LORD watches over the sojourners; he upholds the widow and the fatherless, but the way of the wicked he brings to ruin. Psalm 146:9 learn to do good; seek justice, correct oppression; bring justice to the fatherless, plead the widow s cause. Isaiah 1:17 Thus says the LORD: Do justice and righteousness, and deliver from the hand of the oppressor him who has been robbed. And do no wrong or violence to the resident alien, the fatherless, and the widow, nor shed innocent blood in this place. Jeremiah 22:3
11 Leave your fatherless children; I will keep them alive; and let your widows trust in me. Jeremiah 49:11 Religion that is pure and undefiled before God, the Father, is this: to visit orphans and widows in their affliction, and to keep oneself unstained from the world. James 1:27 And in the end, for those believers who endure until the end He will wipe away every tear from their eyes, and death shall be no more, neither shall there be mourning, nor crying, nor pain anymore, for the former things have passed away. Revelation 21:4 se few verses merely scratch the surface of all that the Bible has to say about the pain and grief that you are experiencing. Take heart in knowing that you are not alone. re is a cloud of witnesses who have gone before you and experienced this difficult season you are in right now (Hebrews 12:1 2). You are prayed for. And as much as it may seem like it will not pass, life will get better. C.S. Lewis, who felt so burdened by the loss of a loved one, wrote that moving away from grief eventually happens with the hand of God and His purposes. re was no sudden striking and emotional transition. Like the warming of a room or the coming of daylight. When you first notice them they have already been going for some time. So seek comfort in our loving God, surround yourself with His people and get involved in His work here on earth. God bless you. Grief, Loss and Transition Workshop This workshop is available for those who have suffered the loss of a loved one. Sessions in the fall and spring meet at the Plano Campus every Thursday for nine weeks from 6:30 to 8:00 p.m. Please call for details.
12 SUMMARY CHECKLIST Funeral home Family Church Death certificates (6-10 official copies) Obituaries Last will and testament Trusts Probate process Lawyer Life insurance Work-related benefits Social Security Veterans Affairs Other benefits Update safety deposit box Change names on bank accounts Auto draft and auto debit information Temporary bank account Change name on: Property titles Auto titles Electric bill Water bill Gas bill Cable bill Internet bill Phone bill and calling plan Cancel or change credit cards Cancel or change subscriptions Debts owed Debts owed to you Paying bills Federal estate tax State tax Filing deceased s income taxes Keeping track of possible tax deductions Future money management courses Medical insurance Health insurance Life insurance Mortgage
13 LIST OF CONTACTS CHURCH INFORMATION Baptist Church 6801 W. Park Blvd. Plano, TX prestonwood.org LOCAL FUNERAL HOMES Allen Family Funeral Options 2120 W. Spring Creek Pkwy. Plano, TX Restland Funeral Home and Cemetery Greenville Ave. Dallas, TX Turrentine-Jackson-Morrow (six locations) BIBLICAL MONEY & POSSESSIONS TEACHING Crown Financial Ministries 9 Market Square Suite 202 Knoxville, TN crown.org Foundation 6801 W. Park Blvd. Plano, TX SUPPORT GROUP FOR WIDOWS (WINGS) Widows in God s Service Ministering to the Unique Needs of Widows prestonwoodwomen.org
14 LEGAL ASSISTANCE Foundation will gladly make recommendations for qualified Christian estate attorneys if you are seeking counsel in this area. Christian Legal Society Dallas Bar Association 2101 Ross Ave. Dallas, TX SOCIAL SECURITY Social Security Administration Office of Public Inquiries Windsor Park Building 6401 Security Blvd. Baltimore, MD VETERANS AFFAIRS Veterans Affairs 810 Vermont Avenue NW Washington, DC (VA Benefits) (Pension Benefits)
15 Ron Kelley Director of Foundation BIBLE FELLOWSHIP MINISTRY Minister of Spiritual Jeff Young Development Adult 5 Joe Schofield Minister (Ages 65+) Married Adult 4 Jonathan Teague Minister (Ages 42 64) Adults Jason Snyder Minister Young Adults Shawn Callander Minister Married Adult 1 Matt Kendrick Minister (Ages 18 32) Single Adults Josh Steckel Minister Young Singles Matt Kendrick Minister (Ages 22 34) Open Division Matt Mullins Minister Dr. Jack Graham Pastor Mike Buster Executive Pastor Chris Kouba Lead Pastor North Campus Kelvin Foley Assistant Pastor Jarrett Stephens Teaching Pastor Jeff Young Minister of Spiritual Development Neal Jeffrey Lead Pastor Dallas Campus Gilberto Corredera Pastor of en Español Chrissie Dunham Director of Women s Ministry Charles Hebert Associate Minister Pastoral Care
16 WORSHIP WITH US THIS WEEKEND! Plano Campus Saturdays 5:00 p.m. Sundays 9:15 and 11:00 a.m. En Español 2:00 p.m W. Park Blvd., Plano, TX North Campus Sundays 9:15 and 11:00 a.m W. Prosper Trail, Prosper, TX Dallas Campus Sundays 11:00 a.m. En Español 11:00 a.m Hillcrest Road, Dallas, TX prestonwood.org
FINAL DETAILS Practical Considerations and A Guide for Survivors When Death Occurs The death of a spouse or loved one is a very difficult time. Yet even during this period of grief and emotional readjustments,
Helping you through this difficult time. New York Life Insurance Company New York Life Insurance and Annuity Corporation (A Delaware Corporation) 51 Madison Avenue New York, NY 10010 www.newyorklife.com
After the loss of a loved one A guide to estate settlement We re here to help The loss of a loved one can be one of life s most difficult times. In addition to the grief, there s the matter of settling
Getting Your Affairs In Order and A Guide for Your Survivors Office of the New York State Comptroller Alan G. Hevesi New York State and Local Retirement System Employees Retirement System Police and Fire
Theme: Bereavement Title: Surviving Loss Target Group: Mainly Church background Age: 11 14 Aim: Equipment: Bible Base: To raise awareness of the feelings that bereavement brings. Bibles, Lion King video,
Estate Settlement In Utah Marc A. Austin, P.C. All rights reserved. No portion of this booklet may be reproduced without written permission. Marc A. Austin, P.C. Attorney at Law 3521 North University Avenue
DEATH OF YOUR SPOUSE A free publication provided by Consolidated Credit Counseling Services of Canada, Inc., a registered charitable credit counselling and debt management organization. Consolidated Credit
KURT D. PANOUSES, P.A. ATTORNEYS AND COUNSELORS AT LAW 310 Fifth Avenue Indialantic, FL 32903 (321) 729-9455 FAX: (321) 768-2655 Kurt D. Panouses is Board Certified by the Florida Bar as a Specialist in
WHAT TO DO WHEN A DEATH OCCURS Prepared by SENIOR RIGHTS ASSISTANCE (206) 448 5720 General Introduction: Senior Rights Assistance (SRA) has prepared this educational brochure to give you basic information
Will and Living Trust information Packet University of the Nations Gift Planning Services 75-5851 Kuakini Hwy, #433 Kailua-Kona, Hawaii 96740-2199 Phone 808-326-4453 Dear Friend of YWAM Kona, Many people
Building Your Legacy AFTER A LOVED ONE PASSES AWAY YOUR GUIDE TO PRACTICAL AND FINANCIAL MATTERS 102194_L01.indd 1 11/4/10 1:10 PM INTRODUCTION Losing a family member or friend is one of life s hardest
The Gift Thank you for downloading this packet - we hope you and your loved ones find it useful. As the first hospice in Central Texas, Hospice Austin was established in 1980 to ease the physical, emotional
Organizing Your Finances After Your Spouse Has Died Page 1 of 7, see disclaimer on final page Organizing Your Finances After Your Spouse Has Died What is it? Even if you've always handled your family's
FOR YOUR FAMILY Your partner or loved ones will face many decisions upon your death. We hope this brochure makes it easier for them to make those decisions then and easier for you to talk with them about
HOPE LIVES! We carry the HOPE of the World! November 2010 Featured Teacher: Rick Warren, Saddleback Church (portions from videos on his book: Purpose Driven Life) Life Group Curriculum November 2010 Page
Caring for a Loved One s Estate Serving as a Personal Representative Introduction A Personal Representative (sometimes referred to as an Executor) is the person or entity who oversees a person s estate
A is simply 1-2 paragraphs of what you believe about God, faith, Jesus, salvation, etc. Every Confirmation student will pick out a Confirmation verse as a basis of their faith statement. You can use one
ADVISORINSTITUTE Surviving Spouse Checklist A 12-month guide to working with your advisors 1 THE FIRST WEEK In the first week after the death of a spouse, the most important thing is taking care of yourself
PLANNING FOR THE FUTURE: Wills & Advanced Directives FLORIDA RURAL LEGAL SERVICES TABLE OF CONTENTS WILLS... 3 PROBATE... 6 LIVING WILLS... 8 DESIGNATION OF HEALTH CARE SURROGATE... 9 2 WILLS WHAT IS A
Steps to Take After Your Loss Survivor s Resource The Baptist Foundation of Oklahoma Estate Planning & Gift Services The Baptist Foundation of Oklahoma Survivor s Resource Steps to Take After Your Loss
Funeral Service I *The ceremonies or tributes of social or fraternal societies have no place within the service. Baptized Christians should be buried from the Church. We begin in the name of the Father
INTRODUCTION TO ESTATE PLANNING AND CHECKLIST Suggestions to Avoid Costly and Time Consuming Mistakes Regarding Your California Estate The term Estate Planning means different things to different people.
WILLS, POWERS OF ATTORNEY, AND HEALTH CARE DIRECTIVES Glossary Administrator Alternate Bequest Capable Codicil Consent Devise Estate Executor A person appointed by the courts to distribute the property
After a death, the financial affairs of the deceased person must be resolved. If the surviving family members have little knowledge of the scope of these responsibilities, the situation can be overwhelming.
A good man leaves an inheritance for his children s children. Proverbs 13:22 A good man leaves us an inheritance for his children s children. Proverbs 13:22... As we read this verse in Proverbs, the inheritance
Planning A Loving Funeral 5055 East Wallings Road Broadview Heights, OH 44147 440.746.0404 www.cvconline.org He heals the brokenhearted and binds up their wounds. Psalm 147:3 2 Table of Contents From the
1: You Need a Good Estate Plan A good estate plan will help you anticipate the future and manage the present. It is in your best interest and that of your heirs to make certain your intentions are clear.
THE CHRISTIAN FUNERAL A SUGGESTED GUIDELINE FIRST LUTHERAN CHURCH 1234 SW FAIRLAWN ROAD TOPEKA, KANSAS 66604 785 272-5302 (revised August 2011) No one is ever really anxious for the death of a loved one.
Community Legal Information Association of PEI Wills 902-892-0853 or 1-800-240-9798 www.cliapei.ca email@example.com This booklet is part of a series called Putting Your Affairs in Order At Any Age. Publications
Estate Planning Workbook A workbook designed to support you in gathering and recording your personal and estate information Provided by: Frontier College 35 Jackes Avenue Toronto, Ontario M4T 1E2 416-923-3591
INFORMATION FOR MY EXECUTOR The information in this booklet will be helpful in settling my estate. Cowan & Kelly 402 Middletown Blvd. Suite 202 Langhorne, PA 19047 215-741-1100 FAX 215-741-4029 My Full
SURVIVOR S GUIDE This Guide is Not for My Benefit It is for My Family I Have Completed This Because I Love You 1 Table of Contents Take Time Now to Plan 3 Location of Records Checklist 4 Family Records
PROBATE AND ESTATE ADMINISTRATION in Bucks County, Pennsylvania A Guide for Executors and Administrators in Bucks County The purpose of this guide is to provide a concise overview of the probate and estate
Milestone Financial Group David Hunt, CFP Financial Advisor 205-B Plaza Drive Greenville, NC 27858 252-756-7005 TF 877.706.7005 firstname.lastname@example.org Settling an Estate Settling an Estate What
A Responsibility of Highest Honor Personal Representative THE The Baptist Foundation of Oklahoma Estate Planning & Gift Services Introduction When you are named personal representative in a will, it is
50 scripture verses on worry 1. Therefore do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own. Matt 6:34 NIV 2. I can do all this through him who gives
PREPARING YOUR WILL WHY HAVE A WILL The first reason for having a Will is to provide an orderly administration of your estate that ensures that your assets are distributed amongst those that you wish to
The Spiritual Basis for a Response to Human Trafficking Trafficking in Persons Taskforce May 2012 Educational Objectives At the conclusion of this program, participants should be able to: Compile Scripture
Coping with Death and Injury: Financial Considerations in a Time of Need T he Financial Planning Association (FPA ) is the leadership and advocacy organization connecting those who provide, support and
70 Bible Ethics LESSON 5 God Gives You Standards for Living Imagine that you are considering buying a bicycle. In the shop you see a beautiful bicycle, just the kind you have always wanted. Of course you
The Probate Service What is probate? When a person dies somebody has to deal with their estate (money property and possessions left) by collecting in all the money, paying any debts and distributing what
A Legacy of Godly Stewardship 1 1 TABLE OF CONTENTS Investing in Eternity... 7 Introduction... 8 God s Ownership and Our Stewardship... 9 Biblical Planning Principles... 10 Every Adult Should Have an Estate
WHAT YOU NEED TO KNOW ABOUT SETTLING AN ESTATE A handy guide to the steps necessary to settle an estate in Maryland. WHAT YOU NEED TO KNOW ABOUT SETTLING AN ESTATE This publication provides general information
Chapter Seven INHERITANCE & ESTATE PLANNING Estate planning is the process of determining how the assets you own at the time of your death your estate will be distributed after your death. The distribution
PUT YOUR HOUSE IN ORDER Cetera Investment Services Susan J. Cavell, Investment Executive 200 E. Main St. Harbor Springs, MI 49740 Tel: (231) 526-3997 Fax: (231) 526-9575 Securities and insurance products
Checklist to Use When A Person Dies Coping with the loss of a loved one is difficult. We hope the following information will help you focus on what needs to be done. You may wish to delegate some of these
Law Office of STEVEN P. OMAN, P.C. 8664 E. Chama Road Telephone: (480) 348-1470 Scottsdale, Arizona 85255 Facsimile: (480) 348-1471 e-mail: email@example.com AFTER A DEATH OCCURS A Checklist What follows
FOR YOUR FAMILY Your partner or loved ones will face many decisions upon your death. We hope this brochure makes it easier for them to make those decisions then and easier for you to talk with them about
Riddle & Akiens, LLP Planning for Generations SM Handbook for Fiduciaries What to do When a Loved One Dies What do I do after the death of a loved one? How do I prepare for the meeting with the attorney?
2 Where to Begin: Addressing Immediate Concerns 5 Short-Term Focus: Settling the Estate 9 Moving On: Planning for Your Family s Future product resource family assist FamilyAssistsm summary next steps checklist
First and foremost, know that it is not unusual to be caught off guard and unsure of how to proceed. This is a difficult time, but planning ahead and getting organized can help ease the pain. This booklet
FINANCIAL & ESTATE PLANNING ORGANIZER Blank FINANCIAL & ESTATE PLANNING ORGANIZER In order to simplify matters, the following pages of financial and estate planning information serve to aid my family in
What to do when a loved one dies A survivor s checklist. IMMEDIATELY FOLLOWING THE DEATH, YOU SHOULD: 1. Contact the funeral home to take your loved one into their care. 2. Contact your minister. 3. Alert
Funeral Planning Guide and Worksheet Our Savior s Lutheran Church 910 9 th St. Menomonie, WI 54751 715-235-0693 firstname.lastname@example.org www.oslme.com February 2013 Funeral Planning Guide and Worksheet Jesus said:
AGING SERVICES DIVISION ABOUT YOUR WILL Prepared in cooperation with Legal Aid of Oklahoma www.okdhs.org Prepared in cooperation with Legal Aid Services of Oklahoma 2 What s a will? A will is a written
Consumer Legal Guide Your Guide to Being a Guardian being a guardian So... a judge has just named you Guardian of your husband, wife, parent, relative or friend. What does that mean? What can you do as
Survivors Benefit Book Survivors Benefit Book Table of Contents SUMMARY LISTING OF RELEVANT AGENCIES AND ORGANIZATIONS...3-4 INTRODUCTION...5-16 PERSONAL INFORMATION...17-56 Disclaimer: Information contained
Estate Planning Chapter 8 Organizing Your Assets: Estate Planning In This Chapter, Learn: Whether You Should Have a Will or Trust What Happens if You Don t Have a Will Whether You Need an Attorney to Create
brewer & sons FUNERAL HOMES AND CREMATION SERVICES a family owned service company To Our Friends in Lake County We at Brewer & Sons greatly appreciate the opportunity which you have given us to serve you.
A Resource and Planning Guide for Beneficiaries Looking Ahead 556932 a 12/11 Information that can help you The death of a loved one can be traumatic. In the midst of your grieving, you re expected to handle
FAMILY WEALTH PLANNERS PERSONAL TAX ADVISORS www.finplans.net 519-884-7087 Executors Checklist for Estate Administration March 2011 (Prepared for clients and business colleagues of Personal Wealth Strategies)
[WELCOME TO THE FAMILY] Bible Study #1 INTRODUCTION TO THE WORD OF GOD (Part 1) It is amazing that, when we come to faith in Christ, we truly become a new creation. As it says in 2 Corinthians 5:17: if
MAKING A WILL A guide to help you Death is not something we like to think about or plan for and of course no amount of planning can prevent the pain your loved ones will experience when you die. However,
TO MY SURVIVOR(S) WHAT TO DO IF I DIE! Before you do anything else, draw out whatever money we have in the savings and checking accounts to have something to live on so the bank doesn't freeze the assets
1 Funeral Policies and Practices Even for Christians, the death of a loved one is a difficult experience. We grieve the loss of one who has been close, but we do not sorrow as those who have no hope (1
DEATH OF A TEACHER BCTF AND/OR EMPLOYER-RELATED BENEFITS The following checklist will be useful as a guide when you are called upon by the survivors and/or the executor of the estate. GROUP LIFE INSURANCE
God: As He Wants You to Know Him Study Guide Week 1 (Sections 1-2, Chapters 1-3) Day 1 Read Chapter 1 and respond to the following questions: Why and how does the pursuit of knowing God lead to: o A right
Tools for Preparing Wills and Trusts Many of us avoid talking about death, but we all know that death touches our lives eventually. A will (and possibly also a trust) is a key component in your life plan,
What is the Purpose of this Guide? Philadelphia VIP prepared this guide to help distribute basic legal information to the community at large. While the information contained in this guide concerns legal
Your Walk with God Is a Community Project By Paul David Tripp David Clyde contributor Discussion Guide to be used with the conference on DVD (Ten 25 minute sessions on 3 DVDs) for Church wide Events, Classes,
Leadership and Church Partnership Information Thank you for your interest in partnering with Redeemed2Repeat, Inc. to walk alongside, equip and care for those who struggle with addiction. People are lost
In Sure and Certain Hope: Preparing a Catholic Funeral The Church has always made the care of the grieving a priority in her ministry, beginning with the example of Jesus himself. The miraculous raising
Twenty-Three Trails 23 Do-It-Yourself Bible Studies on the Subject of Sheep and Shepherds in the Bible Designed to Accompany The Lord is My Shepherd by Robert J. Morgan 2013 Robert J. Morgan Books RobertJMorgan.com
PERSONAL RECORDS ORGANIZER 1. Information Regarding These Records This information was compiled on the day of, 20. 2. Personal Information My full legal name is: I reside at: City State County I was born
Durable Power of Attorney For Finances Choosing Someone to Handle Your Property And Finances in Case of Disability Washtenaw County Probate Court Shared/Social/Resources/DPOA for Finances FOREWORD We all
Why you need an estate plan. Now. Make things easier for the people you love. Eight questions it s best to answer now. No one can predict the future, but one thing is sure: If we leave unanswered questions
NEW BELIEVERS STUDY TABLE OF CONTENTS BIBLE STUDY 1: SALVATION 1 BIBLE STUDY 2: FAITH AND ASSURANCE 4 BIBLE STUDY 3: POWER OF THE HOLY SPIRIT 7 BIBLE STUDY 4: TRIALS 10 BIBLE STUDY 1: SALVATION SCRIPTURE
City Securities Corporation Strouse Keller Income Advisors Paula Strouse and Chad Keller Financial Advisors 30 South Meridian Street Suite 600 Indianapolis, IN 46204 317-634-4400 800-800-CITY(2489) email@example.com
TAX, RETIREMENT & ESTATE PLANNING SERVICES Your Will Planning Workbook Preparing your Will Glossary of terms... 1 Introduction... 2 Your estate... 2 Beneficiaries of your estate Your spouse... 3 Your children...