Articles Of Interest

November 30, 2020

Secondary Losses After Losing A Loved One

Coping with the loss of a loved one is a difficult experience. This can be compounded the secondary loss of shared activities and life contributions made by those who have died. Often times secondary loses are overlooked but still cause an immense impact on someone who is grieving. These secondary losses have a ripple effect on loved ones.

Secondary losses are encountered over time, rather than all at once. For those who are grieving, these losses began to unfold as you continue on with your everyday life. They can appear in many different forms and affect each person differently.

After the death of a loved one, it can be hard to carry on with your daily life. It may seem like every little thing you encounter reminds you of them. It can be hard to vision new memories without that person there. For instance, you may have always attended your favorite baseball team’s opening day or shared an annual vacation to the beach. Or even weekly events such as going dancing or eating at a favorite restaurant. This loss can also affect you in other ways such as the loss of income leading to a negative impact to your financial security. In addition, if they were the one to manage the finances, you could be clueless on when and what bills need to be paid. Depending on the role this person played, you may have to restructure your life to pick up the tasks they use to perform. When simple things needed fixed around the house they were always there to manage the home repairs, but now you will need to hire a professional. These are common things you grow accustom to and don’t affect you till a major piece is removed from the scenario.

There are several heathy ways to cope with secondary losses. One way is to create a special memento to preserve the memory of shared experiences/rituals. This could be by creating a scrapbook that showcases all the precious memories shared with a loved one. You could also find new ways to enjoy your shared interests such as picking up a dance class. As for your financial security, don’t hesitate to reach out to family and friends. You can also seek assistance from professionals for guidance in your financial matters. Additionally, you will need to get help with taking over managing new tasks formerly done by your loved one. This could mean rearranging your daily schedule to include new tasks or hiring a handy man. Family and friends will be your biggest support system and will help to guide you through managing secondary losses.

It is also very important to take care of yourself. Each person grieves differently and there are many resources available to help. With the support of trusted family, friends and grief professionals, everyone can find a healthy grieving method to fit their needs.

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You Can Still Find Reasons To Give Thanks During Thanksgiving

October 13, 2023
Bring their memory to the table Serve up a tasty reminder by preparing some of your loved one’s favorite recipes. Give a Thanksgiving toast or prayer that acknowledges the role that they played in your family’s lives. Consider creating a centerpiece made up of mementos from their life for the table. Or go around the table and ask each person to share something they are grateful for about the person who has died. Do something together to honor their memory There are many Thanksgiving Day events that your family can participate in to honor your loved one’s memory. Sign up for a turkey trot or charity walk. Watch one of their favorite movies together. Attend a remembrance service. Donate food or money in their name. Help to serve a Thanksgiving meal to families in need. Continue to share your memories Every family has their favorite stories and memories that they tell that highlight the unique personalities of each member. Be sure to continue sharing your memories and reminisce about those that you have lost. Whether it’s at the dinner table or during the football game, simply talking about your loved one is often what we need most after a loss. Accept that this Thanksgiving will be different. Try to find the balance between moments of grief and moments of joy. Listen to your intuition and only do what you can manage. Taking care of yourself is the most important thing. Grief is hard and tiring. Get plenty of sleep and give yourself permission to let in some joy this Thanksgiving.

Why You Need To Keep Beneficiary Designations Up To Date

October 13, 2023
Who can be a beneficiary? In most cases, people name their spouse, children or someone who financially depends on them as beneficiaries. A beneficiary can also be a sibling, other family member, friend, charity or trust. There are two types of beneficiaries: primary and contingent. If the primary beneficiary is deceased, then the asset goes to the contingent beneficiary. Why is it important to designate beneficiaries? Beneficiary designations take effect immediately after death. Because of this, they override any instructions that may be in a will regarding the distribution of assets. Having beneficiaries named on an account circumvents the probate process and helps ensure that assets can be transferred to heirs without delay. Even if you write a legal will leaving the assets to another person, whoever is listed as the beneficiary on your accounts is the person who will inherit. Matching beneficiary designations with provisions in your will can ensure that your wishes are followed properly. Retirement account beneficiaries Even changing your job can necessitate updating your beneficiary. If you roll over your retirement account, make sure that the account lists the correct beneficiaries. Previous beneficiary designations generally will not automatically move with your assets. Provisions for beneficiaries vary from plan to plan and state law — some of which automatically eliminate former spouses as beneficiaries. However, for many employer-sponsored retirement plans, such as 401(k) plans, these laws do not apply. A cautionary tale Suppose you married in your twenties, had two children and set up a life insurance policy, naming your then-spouse as beneficiary. Fifteen years later, you have divorced and remarried, and now, you have a child with your new partner. If you never updated your beneficiaries on your life insurance policy, your ex-spouse would inherit, leaving no proceeds for your current spouse or any of your three children. Take the time now to check that beneficiary information on your accounts is accurate and up to date. Updating your beneficiaries is simple, usually requiring filling out paperwork or making changes online. DISCLAIMER: Individual circumstances and state laws vary. Only undertake estate planning with the help and assistance of an attorney licensed in your state. If you need advice about designating your beneficiaries, talk to an attorney or estate planner to help ensure your final wishes are carried out.

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How to Help a Coworker Who is Experiencing Grief

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Consoling a member of your family or close friends over the loss of a loved one can be difficult, but figuring out how to acknowledge that same kind of loss to a coworker or employee adds another layer of complexity. With family and friends whom you have a close relationship, you have the benefit of knowing that person and how you might help them manage their grief. You may not have that same level of familiarity with coworkers. A first step for managers or supervisors of someone who has experienced a loss is to make sure that your employee is aware of how the company (and you) can support them during their time of grief. Make sure that they know about the company's bereavement policy and any human resources support that are in place. In addition, let them know that you are aware that grief can have an impact on their ability to think clearly and perform their job duties. Flexibility is key to helping them. Everyone has struggled to manage the demands of work at one time or another. On average, U.S. employees receive four days of paid leave. Returning to work in such a short period of time can be challenging. Considering that the very real physical symptoms of grief, including ‘brain fog’ and loss of energy can decrease work productivity, coworkers can help by offering to assist them with some of their duties. Coworkers can also support grieving people by acknowledging their loss in person, with a note, or email. Whatever method you chose, it’s important to acknowledge their loss in some way. Remember to keep it simple. Avoid cliches about ‘being in a better place’ or giving advice. If you talk with them, don’t ask about details of the death, which can be upsetting. Simply listening is the best thing you can do. Don’t be tempted to share your stories of loss. Now is not the time to focus on your experience. It’s time to support someone else along their journey. If you don’t know your coworker well, be observant and take your cues from them. Judging as best you can when they are open to talking or when they prefer privacy. Most importantly, give them the time they need to deal with their loss. Grief doesn’t just magically disappear in few weeks or month. It ebbs and flows for a long time, sometimes even years. So, remember to periodically check back in with your coworker to see how they are managing their grief. 
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