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Losing a Loved One

Praying

 Whether expected or unexpected, the death of a loved one creates a wide range of emotions and life changes that have to be addressed. As you begin to get your loved one's financial affairs in order, one of the first things you should do is review his or her benefits package. You should also make whatever changes are necessary to your own benefits. This section provides you with information that can help you confront some of the emotional and financial issues involved with the passing of a loved one.​

Event Checklist

 

  • Remove from Benefit Plans

    • Contact your Human Resources Department for information about the benefit plans you may want to remove your loved one from, and what paperwork is necessary to accomplish this.

  • File Life Insurance Claims

    • In the case of an employee who dies, the Human Resources Department will work with the beneficiaries to handle the necessary paperwork. Note: In general, a certified copy of the death certificate will be required.

 

  • What Should I know about Social Security and VA Benefits?

    • Social Security: Contact your nearest Social Security office for information on survivor benefits. A deceased person's spouse, minor children, or even divorced spouse are sometimes entitled to benefits. However, Social Security laws change frequently so check with your local Social Security office, or call (800) 772-1213 for additional information.

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  • Be prepared to provide:

    • The death certificate (or a certified copy)

    • The Social Security number of the deceased

    • The decedent's latest W-2 form or tax return

    • The name and address of the decedent's employer

    • Social Security numbers of spouse and minor children

    • Birth certificates of spouse and minor children

    • Marriage certificate

    • Divorce papers, if applicable

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Veterans Administration:
For assistance in filing claims for veterans and survivor benefits, counseling or emergency financial assistance, contact:

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Disabled American Veterans
P.O. Box 14301
Cincinnati, OH 45250-0301
(606) 441-6300

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For information on military funerals, contact:

Veterans of Foreign Wars
VFW Memorial Building
200 Maryland Avenue, NE
Washington, DC 20002
(202) 543-2239 

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  • Review life insurance policies 

    • Many people are under the misconception that they cannot afford the amount of life insurance that they actually need. Talk to your advisor or utilize the Employee Assistance Program to connect with experts who can provide guidance.

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