SBC Surviving Spouse Planning Education

A little clarity, at your pace

What needs attention now vs what can wait

This is a way to organize questions, not a universal timetable. A known court, benefit, insurance, or tax deadline always deserves its own place on your calendar.

Start with everyday stability

Consider making a short list of housing costs, utilities, insurance premiums, and other essential bills. Note which payments are automatic and which accounts fund them. The CFPB guide can help you organize these details privately.

  • Keep a private folder for letters and statements. Do not upload documents here.
  • Ask a trusted person to help keep a call log, if that feels useful.
  • Write down any stated deadline and confirm it with the organization that issued it.

Sources for this section

Ask about benefits and responsibilities

Contact Social Security to ask about survivor eligibility and timing. Use the employer's benefits contact for pension and workplace coverage questions. An estate attorney can help identify the appropriate state court process; the IRS explains final return and estate responsibilities.

  • Ask what proof the agency or institution needs, using its own secure channels.
  • Ask who has authority to act for the estate before signing estate paperwork.
  • Keep estate funds and your own obligations distinct while you get advice.

Sources for this section

Decisions that may allow more time

Selling a home, making gifts, changing an investment strategy, or moving retirement assets are separate decisions. Where no applicable deadline requires action, consider first writing down your questions and comparing the consequences with an appropriate professional.

  • Ask about costs, taxes, access to cash, and whether a decision can be reversed.
  • Avoid treating a broad checklist as permission to miss a specific deadline.
  • You can pause this checklist and return whenever you choose.

Sources for this section