April 2, 2004, Newsletter Issue #61: top 10 things / loss or funeral 2 of 3

Tip of the Week

4) Know how many death certificates you will need. Places like the insurance carrier, SS or others may require the original. Others can possibly just have a copy (as they are much less costly). Mortgage holders, the employer and outstanding debt to verify a death - the copies are pennies while the original cost approx. $11.00 or better - and if you need a dozen or so, that adds up fast.

5) Have a list of numbers, resources, and contacts for filing life and or health (disability)insurance claims, employer and file for any benefits owed you, such as pension income, social security offices contacts and numbers, employment history, etc. Find out which benefits are offered through employment offices of the deceased. There are many different plans - some ask you to choose between a lump-sum payment or annualized payments, which are made every year. Consulting with an attorney or adviser might be a good thing.

6) If you are getting all the details down in this preplanning, do each of them. But most official consumer advocate sites (20/20, AARP, casketstores.org , and others) stress there are far better ways to pre plan, than to pre pay. Look up this information carefully - the choices are many and the print often small, and limited refunds if you should move, or change an items or service on any prepaid agreement. The local library has volumes of books related to this subject as well. Financial Stability means shopping and knowing how to purchase smartly, how to pay the bills,learn to budget / handle what is left so it will last a long time, as your loved one did plan on that happening, to take care of you. Can you take care of those who won`t take care of themselves? Please Get started.....

(To be continued next 1 newsletters)If in meantime, you have any questions, please write funeral/loss guru.

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