It's never too early to prepare for Stage 8
Prepare now for Stage 8
My wife is currently in Stage 7 and is still physically healthy. However, I know that it can change at any time. Some time ago I started planning for what needs to be done before and after she dies. She has a paid funeral plan in place; the funeral home will take care of all the details. All I will need is a plot and a stone, which will be paid for through a final expense plan that she already has in place. I have already decided which cemetery will be used. I have consulted with our children concerning her funeral service and I have prepared her eulogy, which I will give myself. I have a notice ready to post on Face Book, which is where many who know her will learn about her passing. I don’t know if obituaries are still done, but I have one prepared in case.
Immediately after she passes, there are contacts that will have to be made; 10 direct family members, 3 close cousins, and 7 close friends. I have contact information recorded for all of these. I have also listed 13 institutions to contact; including financial, medical, governmental, and insurances. I often consider what else I need to do to prepare for when the time comes.
I’m offering all this as a suggestion; do everything you can to make things easier when the inevitable arrives. It’s never too early or too late to do these things. If anyone has any other suggestions as to what needs to be done, please contribute to this thread.
Comments
-
You look like you have it all planned out. I will save this for my planning. All I can ad is to make sure the funeral home orders enough death certificates for use.
7 -
I should have listed examples of who needs to be contacted
credit unions or banks
financial advisors
insurances
doctors
Medicare
Social Security
IRS
7 -
I have done most of the prep work too. I have written a eulogy knowing I will probably make some last minute changes, and most the other things you mentioned. I have not talked to the kids about what my plans are because this has been a long and mostly lonely journey without much help so having them tell me what they think or want really is not important to me. They have had their chance to care or give support. I used to think we were close, but this disease has changed every relationship forever.
9 -
I’m sorry. I know how hard that is. My daughter wants to help but she has her own problems. My son has been in recovery, heroin addiction, for 11years and I can’t have him come home. He is vulnerable and I won’t be the reason he relapses.
What a horrible disease. I know what I need to do for myself. I think that, with help from people who don’t judge and believe in me, I will be able to leave my husband with the best hope of living the rest of his life with the autonomy and safety and support he deserves.
5 -
0
-
Mom also did a prearranged funeral. I have pictures of mom in a box that can be displayed at the funeral/visitation. Mom has always been very creative. It’s probably a bit unusual, but I have considered displaying some of her work at the visitation (quilts, ceramics, crochet work, craft work). I have a few things set aside. I don’t know if I’ll do it, but it’s ready just in case. Mom has always loved a good hot fudge sundae. I have also considered serving ice cream sundaes after the funeral instead of or in addition to a traditional funeral luncheon. I’ve also tried to think of any music she might have like played. It seems morbid, but I’m a planner and I don’t like last minute decisions. I completely understand your thinking.
3 -
Regarding displaying items at their service, my DH always collected coffee mugs wherever we traveled. My daughter suggesting displaying the mugs and offer guests to take them.
Thank you to Arrowhead and all others with this preplanning, specifically in financial matters. That list is something I would not have thought to preplan and I’m sure would be quite difficult to process afterwardsSince our credit cards have him as the main cardholder, I am in the process of using my DPOA to be the main cardholder and then take him off the card. 2 of 4 cards have been deleted. One of those was a card I opened early in this disease with a very limited credit amount so he had a card to carry. He never used it but he still had some “control.” Now all he has in his wallet is his ID with my name & number on it, $15 and misc stuff he collects and puts in it. Other institutions, like the our phone provider, I also had to use DPOA.
Thank you for the actually list to go through. I figured the more places I can delete him from now, the less I will need to contact later.
2 -
I only have a couple of things to add …
Make sure you have all of her passwords so that you can delete any online accounts that may be lurking still. Also so that you can shut down any social media (turn them into legacy pages, etc.). I'm not on facebook, but my sister's best friend and my s.o. put the word out there that she had passed away, and we heard from a lot of people that weren't in my contacts list.
The other one is deciding what kind of funeral/memorial service you want to have. Kind of like what @H1235 and @debriesea talked about. In our case, we had an '80s dance party. I know we had her seal of approval for that. There were some logistics to making that happen, and I'm glad we prepped it all beforehand.
4 -
I don’t think it’s unusual. I think it’s lovely to have friends and loved ones admire her creativity and art. This disease takes so much from our LO, what better way to remember them for who they were than to have objects from the former them to enjoy.
2 -
Here's a second for planning before you think you need to. They put my dh on hospice at the end of February. I thought it was pretty early and he'd be on for a long time, but he died the first week of May, only a couple of months later.
3 -
If that Facebook is open to the public, you may want to consider whether you want the world to know- since you have a relative & friend list available. Sadly, recent deaths in a family are seen as opportunities for scammers.
If you publish the date & time of the funeral and graveside services upfront it is a good idea to have a house sitter at your home during it for security . Sad times we live in .Check if your bank accounts, safety deposit boxes will be frozen when they are notified of the death of an owner so you won't surprised.
5 -
Thank you so much for your post. I have copied it and I am using as my check list. I believe in trying to be prepared as well as flexible. DH is stage 7 and on hospices.
1 -
I'm lucky that my children have been giving me, what I consider to be, just the right amount of support; not too little and not too much.
0 -
There are certain financial and legal moves that really should be addressed soon after, so knowing who to get to help you with these is also a good idea. I know…my DW passed away in February and a number of these things has occupied a fair amount of time and effort. Knowing they were needed in advance and having a list helped me feel less flustered as I plowed through them.
When a spouse passes you can reset the cost basis of any jointly held appreciated assets like stocks and importantly your home, if you own it, allowing you to sell without worrying about capital gains taxes. This must be done as of date of death, so you need to take care of it soon after.
My trust and will needed adjusting. My will for instance referred to me being married to my DW.
If your spouse had separate Roth retirement accounts, you can combine them with your own, relieving you of the requirement to start RMDs on that account, so again the sooner the better. I am not a lawyer and do not play one on TV, so this is just a nudge for you all to consider as part of your advance planning.
1 -
Kudos to @Arrowhead for starting this thread. My DH was in MC when another resident, whose wife I got to know quite well, passed away and she had no arrangements made ahead of time. She gave me the advice about doing what you can beforehand but then my DH passed suddenly within a week. I wished I didn’t have to make all those decisions, large and small, that you have to make at the funeral home while in such an emotional state.
There are some great lists in this thread. I had moved his name off as many things as I could while he was in MC so that minimized the number of financial things I needed to take care of after he passed.
Some things I would add to the list - some you can do before, some after:
- freeze credit reports (you should do this for both of you now!)
- Utility accounts
- DMV - to cancel ID or license
- Car titles
- Update beneficiaries
I did find out that once the funeral home has the information, many agencies are notified, including SS.
2 -
I'm glad to have been some help.
0 -
It is so great you are preparing and covering all these issues. I recently managed my parent’s estate and would like to add or reinforce the following:
- Death Certificates - Ask for 7-10 originals, since some places insist on originals and they are cheapest and easiest to get up front.
- Life insurance beneficiaries - Any proceeds pass tax free to the beneficiaries listed on the policy. The beneficiaries on all financial, insurance, and retirement accounts are followed, regardless of what the will states, so be sure all beneficiaries are updated. Once you get a death certificate you’ll send that with a letter detailing the policy information to all life insurance and financial organizations requesting a payout.
- If their name is on an individual trust holding financial assets or property, you’ll have to apply for an EIN number. Their SSN number will be cancelled, so if they have assets in a remaining trust that require a future tax return, the EIN is needed. (Your estate attorney can apply for one).
- If they hold investments in their own name (individually or their own trust), the investment basis will reset to the market value on the date of death. You can later sell the investment and won’t be taxed on capital gains, if investments appreciated during their lifetime. (You’ll send a death certificate to the institution and they will reset the bases of all applicable accounts).
- If they hold real estate in their individual trust, get an appraisal effective the date of death, so the value of the real estate is reset to the market value of their if you sell later, any applicable capital gains are calculated from the value on the date of death to the current market. If the property decreases in value, you can claim a loss.
- Close all FB, on-line accounts, and email accounts to avoid potential scamming.
- My parents had both written short stories about their childhood and growing up years, so we handed out copies at the funeral. We also created a picture board with interesting family pictures.
- If you’d like a video recording of the service, ask for that up front and provide a flash drive.
- You can make a tribute video for the service. Use your camera to take pictures of old slides or pictures, or go to your local library and use their scanner. Put the pictures into Photos and if you have a MAC, use iMovie to import and arrange photo, add music, and add title. You can make a mp4 video file, which can be played during the service and shared with family members who couldn’t attend. Send the video way in advance, so they have time to test and confirm test. (If this seems too hard, ask a young person to help or visit your local library for advice and maybe they have a tech lab that will help for free).
- Laws can vary by state, but your estate attorney, funeral home, and financial planner can all provide helpful advice. Plus, you can google what to do in your state to get more ideas.
- Most importantly, celebrate and remember the life that was fully lived.
2
Commonly Used Abbreviations
DH = Dear Husband
DW= Dear Wife, Darling Wife
LO = Loved One
ES = Early Stage
EO = Early Onset
FTD = Frontotemporal Dementia
VD = Vascular Dementia
MC = Memory Care
AL = Assisted Living
POA = Power of Attorney
Read more
Categories
- All Categories
- 698 Living With Alzheimer's or Dementia
- 402 I Am Living With Alzheimer's or Other Dementia
- 296 I Am Living With Younger Onset Alzheimer's
- 19K Supporting Someone Living with Dementia
- 5.9K I Am a Caregiver (General Topics)
- 9.3K Caring For a Spouse or Partner
- 3.4K Caring for a Parent
- 247 Caring Long Distance
- 206 Supporting Those Who Have Lost Someone
- 13 Discusiones en Español
- 1 Vivir con Alzheimer u Otra Demencia
- 1 Vivo con Alzheimer u Otra Demencia
- Vivo con Alzheimer de Inicio Más Joven
- 12 Prestación de Cuidado
- 3 Soy Cuidador (Temas Generales)
- 8 Cuidar de un Padre
- 23 ALZConnected Resources
- View Discussions For People Living with Dementia
- View Discussions for Caregivers
- Discusiones en Español
- Browse All Discussions
- Dementia Resources
- 8 Account Assistance
- 15 Help


