what to say

11/04/2014

Taboo Topics When Someone Dies–Part 3, Money

Part 3 in this series on taboo topics (*see below) focuses on money matters and why you should leave them alone.

Would you walk up to random people and pat them on the stomach? Of course not, except… Have you ever noticed that insensitive relatives, acquaintances, or even strangers will do that to women in the latter months of pregnancy? No matter that it’s intrusive, rude, and creepy. (It happened to me, more than once.)

Would you walk up to random people and ask them about their finances? Of course not, except… Have you ever noticed that insensitive relatives, acquaintances, or even strangers will do that to mourners in the earliest days and months of bereavement? No matter that it’s intrusive, rude, and creepy. (It happened to me, more than once.)

Here is what you need to know about the finances of those who are grieving:

1) Their finances are none of your business — unless …

… the bereaved asks you about money matters, concerns, or questions (in which case, you should limit your words to providing direct answers, not asking them questions or making assumptions), or

… you already have a professional financial relationship to the bereaved (and/or the deceased) as their financial or insurance adviser, accountant, broker, loan officer, etc., and your inquiries are

relevant to that relationship,

timely for the altered needs of the survivors, and

mindful that most major decision-making should be delayed for at least a year.

2)  Financial gifts may be desperately needed by bereaved families, even though mourners’ finances are none of your business. If the deceased was the primary (or even secondary) breadwinner in a family, the sudden loss of income can be financially devastating. Even small monetary gifts can help offset expenses, and they will show your tangible support for friends who have lost loved ones.

3) Death is expensive for its survivors.

Whether the death was expected (due to age and/or health issues) or unexpected (due to undiagnosed health matters or external forces), there are likely medical expenses. Big medical expenses. These may include (but aren’t limited to) doctor, hospital, and ambulance services (**see below for a digressive rant). The financial costs can be huge, and the emotional costs of drawn-out payments for treating the already-deceased loved one can be just as difficult to pay.

Funeral, burial, and cremation expenses can be prohibitive and drain a family’s financial reserves. Payments are often required up front. My home (and the land it stands on) still belongs to my mortgage company as much as it does to me. Even after it’s paid off, I’ll still owe property taxes as long as I own it. How awful it is that the only land I’ve purchased and own “free and clear” is fully uninhabitable: my husband’s burial plot.

Legal and business fees add up. I remember the sticker shock of having to pay for changing the title of my husband’s car to my name before I could sell it. Various accounts and deeds can cost even more. Eventually, every legal document or business account once in the name of the deceased must be updated, closed, or renamed, and these transactions can be costly.

 4) Not everyone has adequate — or any — life insurance (***see below).

Don’t assume.

Don’t judge.

Preexisting health conditions, finances, or emotional constraints may have prevented purchasing such policies.

5) Life insurance payments feel like blood money. They are not windfalls or fun lotto winnings. Their intent is to pay for current and future life expenses for the surviving beneficiaries.

ONLY named beneficiaries have the right to decide how such funds should be spent. Period. If you have an opinion on how it should be spent, keep it to yourself.

Do NOT ask about or comment on life insurance amounts. The subject is not only private — it’s painful. Survivors who are asked about whether they received life insurance payments may feel cornered or pressured into discussing details that only their financial advisers should be privy to. (Remember #1 on this list!)

Don’t ask to borrow money from life insurance funds.

I apologize if this post feels stern. I’ve developed a pretty thick skin by now, but I still remember some people’s intrusions during my earliest months of widowhood. Many meant well. I understood their concern for my well-being, and I continue to feel gratitude for the gifts generous souls sent our family at that time. However, I also recall the inappropriate questions of those who were more interested in satisfying curiosity than consoling my family.

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*I talk about other taboo topics — politics, religion, appearance, and legal status — in separate posts (while, yes, talking about the very things you shouldn’t talk about).

**My digressive rant:
The ambulance bill provided a double shock. The 5-minute “ride” cost more than $150 per mile, and when I received my credit card statement verifying payment, the expense was listed under “travel and entertainment.” While I appreciated the efforts of the EMTs who responded to my 911 call, and I didn’t begrudge paying for their efforts (fruitless as they were), seeing the cost listed as “travel and entertainment” infuriated me. Still does.
(Okay. Rant over now.)

***If you’re on the fence about purchasing life insurance and you have dependent family members, do it. Now. Even small policies can help. I hope you outlive your policy, but if — Heaven forbid! — The Worst Thing (your death) should happen to your loved ones (as it did to me and mine when my husband died), having a financial cushion may be of indescribable help to them, even if it is a small one. [Note: I’m not endorsing any company or industry by saying this. I’m sharing first- and secondhand experience.]

10/21/2014

Taboo Topics When Someone Dies–Part 1, Politics

Some topics are off-limits when a friend is grieving. Do you remember the classic dinner conversation advice given to prospective business associates (or future in-laws)? “Never discuss politics, religion, or money.”  Keep this in mind as a starting point, but to support mourning friends I recommend expanding the list.

Unless the mourner asks you, or unless it pertains to your already established professional relationship, don’t bring up politics, religion, money, physical appearance, or legal status. 

The rest of this post tells why you shouldn’t bring up POLITICS.*

Keep in mind that no matter how devoted the bereaved (and/or the deceased) may have been to a cause in the past, the surviving loved ones’ world has changed. It doesn’t matter that you and your coworker may have made lively political debates as much a part of daily lunch breaks as clocking out and back in again. For your grieving friend, in the initial shock of new grief, community or state, national, and even global concerns may shift into a distant blur.

Grief’s omnipresence overwhelms other concerns. To the newly bereaved, issues of political concern aren’t spelled P-O-L-I-T-I-C-S; they’re spelled P–loss–O–grief–L–loss–I–grief–T–loss–I–grief–C–loss–S–grief. (If that seems hard for you to read, think about how hard it is for your grieving friend to live.)

Perhaps the deceased was actively involved in political processes (campaigning, debating, petitioning, running for office, or simply following the nuances of opposing parties’ claims). Survivors may feel impelled to take up their loved one’s unfinished work and step into their footsteps — or they may actively avoid the entire realm of politics. Such activities may be far too painful (“too close to home”) as they grieve and adjust. Persuading (or worse, guilt-tripping) mourners to step into (or out of) the political arena does them a disservice. No one representing a political cause (or party) has the right to claim what the deceased “would have wanted.” Ever.

On the other hand, some survivors may need to immerse themselves in political processes. Perhaps circumstances surrounding the death of their loved one could have been prevented had legislation, policy, or decision makers been different. Working and fighting for related changes can be therapeutic and can help grievers direct or channel their pain — not remove or heal it.

If your mourning friend approaches you, by all means listen! Offer to help if you see the point of the changes they want to make. However, if you disagree (and when it comes to political matters, even reasonable, like-minded people can have passionately divergent opinions!), now is not the time to argue or debate the issues with the bereaved. For the mourner, the politics and the emotions may be inseparable, so don’t go there.

My husband loved our country’s political process. He watched (and argued at) the televised debates. He was passionate (and a bit one-sided) about campaigns and platforms. One of the things he loved about me was that I took the time to study the issues on the ballots and the candidates running for office prior to every election. After his death, it took what felt like superhuman strength to do even the most superficial research and to decide issues. I could not (and still can’t) abide the rancor of the adversarial debates. It was (and still is) repellent. Yes, I know the issues are important, but the mud-slinging is too great a reminder that “life’s too short” for that much anger.

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*I’ll talk about the other taboo topics — religion, money, physical appearance, and legal status — in upcoming posts. (And yes, I appreciate the irony of talking about things you shouldn’t talk about.)

06/14/2014

Another Father’s Day–DANG IT!

Father’s Day. For three weeks I’ve written, revised, and discarded post after post, trying to decide what to say. It’s the night before, and I still don’t know …

I’m blessed and grateful that my dad is still here. He lives nearby and continues to be a rock of solid reliability. I can’t remember him ever directing an unkind gesture or a loud word my way (though when he spoke my full name in a certain tone I knew I’d crossed the line).

When I was a young, naive newlywed I remember my mother once telling me she hoped I appreciated how lucky we both were to have such good, kind men in our lives. I thought at the time that I did fully appreciate it.

Looking back now, I see how clueless I was, how little I understood. Since then I’ve seen glimpses, peeks at the hardships inflicted on many women and children because of the actions (and because of the failings) of the men in their lives.

So again I acknowledge how blessed I’ve been — how blessed I am.

And yet …

It’s another Father’s Day — DANG IT! — and my husband, the father of my children, is dead. This is our fourth without him. You’d think I’d be “used to it by now.” I thought I would, too. (It took years, but eventually I got “used to” the absence of my wonderful grandfathers. Sort of.)

But I’m not used to it. Not at all. Chances are that the widows and widowers you know, the mourning parents and the bereaved children of your acquaintance, or the grieving coworkers in your office aren’t “over it by now,” either.

Here are a few things you can do to show them your support:

  • Say something. A text, a call, a private message, or a note can be brief. “I’m thinking of you today/this weekend.”
  • Take the kids of a widower shopping so they can do something special for their daddy who’s trying to do two parents’ jobs.
  • Take a small treat to a widow (and her kids) “just because” to let them know they’re thought of on a day when they’re even more aware (if that’s possible) of their loss than on other days.
  • Let them know their loved ones aren’t forgotten — and neither are they.
  • Invite and include (with sensitivity). If the kids in the troop are doing a daddy-daughter or father-son activity, TALK TO their widowed mother. ASK if she’d like a surrogate parent or relative to “step in” for the event or if she’d like to attend with her child. (The same applies to asking widowers about activities geared toward moms.)
  • Listen. Whether the death happened recently or years ago, sometimes the bereaved need to share memories of their loved ones or feelings about their loss.
  • Ask instead of assuming.
    • “Are there ways I can help you with …?”
    • “Would you like me to …?”
    • “Would you like to talk about …?”
  • Don’t dismiss or diminish their grieving.
    NEVER say:

    • “At least …” anything. (Saying “at least” literally makes it seem as if the loss isn’t that important to the speaker, so why should it be so important to the bereaved?)
    • “You should …” OR “You shouldn’t …”
      (No one has the right to tell someone else how to go about the emotions or the business of grieving.)
    • “I know what you’re going through.” (Each loss is unique.)

You can’t “fix” your friends’ grief, but you can — and should — comfort them by letting them know you support them in it.

 

05/23/2014

Honoring Memorial Day

Memorial Day was originally intended as a day of solemn remembrance.*[See the end of this post for a link to a short video about the day’s origins and evolution.] Once called Decoration Day (on which widows, orphans, and other war survivors decorated soldiers’ graves), its purpose was to honor and reflect on those who died while in service to their country.

Memorial Day, military, honor, remember, sacrifice, survivors

Memorial Day honors the sacrifices of those who died in service to their country. Please remember the loved ones they left behind, too. (This photo called “Memorial Day” is from history.com.)

Within my extended family, the day also developed a broader meaning as descendants of my great-grandparents gathered every year to honor the memories not just of all our honored military dead but of all deceased family members. In my grandmother’s hometown, kin from all over began the day at her parents’ graves, filling the weathered cemetery — for one day each year — with as many folks above- as below-ground.

My long-widowed grandmother’s features took on a different expression there. Hindsight — now having lost all my own grandparents, mother, and husband — allows me to better understand the nostalgia, the sadness, the love, and the gratitude that shone from her lined face during this annual meeting of family from afar. It was a chance for Grandma’s children, grandchildren, great-grandchildren, nieces and nephews (and all their “grands,” too) to greet and get to know (by place and by story) her long-lost grandparents, parents, siblings, husband, daughter, and — in later years before her death — grandson.

The cemetery on that day was not a place of sadness — though there were tears — but of reunion (both in the here-and-now gathering and in the looked-to-someday future).  After beginning the day with respects paid on the sacred ground there and with family news updates shared by all, we relocated to the place and time I looked forward to when I was little: the park. Nearby, the entire city park (rented by the extended family for that day every year since long before my birth) was open to exploration.

When I was a child, Memorial Day meant family reunions with buffet-style picnic foods (including as many dill pickles as I could eat from a jar that was nearly as big as I was). It meant wondering why the grownups cheered and jeered (in good fun) during their annual singles versus marrieds softball game. Close cousins and distant kin walked around wearing similar noses, foreheads, and jawlines while gesturing in mannerisms either inherited or learned in a trickle down the pyramid of  Great-grandma Inez’s and Great-grandpa Edwin’s descendants.

As a widow, my appreciation of Memorial Day has shifted. I’d always been taught to acknowledge that the price of my daily freedoms was paid for by the lives of those who served my country long before me. My parents taught me reverence for our flag, not as an item to be worshiped but as a tangible representation of the blood sacrificed by those who served. War was awful because of the lives it ended; warriors — of whatever nationality — were respected for their service to their nation(s). Although my family celebrated with fun traditions on such holidays, in a very real sense Memorial Day, Flag Day, and Independence Day were holy days, too.

Now that I’ve experienced the loss of my own husband and witnessed my children’s thus-altered lives, my appreciation for the families of fallen soldiers has increased hundred-fold. I’m not a military widow, though I have been honored by friendships with many who are.  I do not know their pain, but I have greater reverence for theirs because of my own.

How can you  honor and support such families on Memorial Day? Start with acknowledging their soldiers’ service and their families’ losses. Express appreciation. Share memories. Speak up. Such days are not for politicizing the “should”s or “should-not”s of specific military campaigns or politics. They are days of succoring, support, and solidarity.

If you have other suggestions, please share them below!

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*See the video clip at http://www.history.com/topics/holidays/memorial-day-history

05/09/2014

A Widow’s Thoughts about Mother’s Day

What should you say to a widow or widower on Mother’s Day? In my last post*, I shared reasons the day can be difficult for many people. I told how my Mom’s death “still” impacts the way I feel about Mother’s Day, but I avoided expressing how I feel about it as a widow.

To be blunt, most widows and widowers don’t look forward to Mother’s Day — we dread it.** And yet, we still want it acknowledged.

I became a wife before I became a mother, so Mother’s Day was — for me — as much about being my husband’s wife as it was about being my children’s mother. My no-longer-little girls were in their teens and twenties when their dad died. For 24 years he’d honored me as his wife every Mother’s Day, over and above the way he honored me as the mother of his children. Suddenly, half the “wife and mother” adulation was wrenched from that day’s annual pampering.

Mother’s Day is confusing now — and painful. I’m still my husband’s wife, but as a widow — his widow — I have no husband. I’m still our children’s mother, but with their father deceased I’m no longer the “wife and mother” I was for more than half my life. Honoring my motherhood is interwoven with recognizing my severed wife-hood. Mother’s Day reminds me of what I had … and of what I’ve lost … and of what I still have. As I said, it’s confusing.

Handmade Mother's Day Card

My husband made this Mother’s Day card for me just a few months before his unexpected death.

How can you help a widow or widower through Mother’s Day? Here are a few practical tips:

  • If the loss is recent, saying “I’m thinking of you this Mother’s Day” shows more sensitivity than saying “Happy Mother’s Day.”
  • For a widow with children: Let her know you realize that Mother’s Day will be difficult without her spouse. Ask her if you can take the kids shopping or create an art project or craft or make a card with them. It’s not about the gift. It’s about having someone show her children that she’s appreciated — and that her kids should also express appreciation for her — without her having to prompt it. She’s no longer “just” their mother; she’s got to handle all the responsibilities that were once shouldered by both parents.
  • For a widower with children: Let him know you realize that Mother’s Day will be difficult without his spouse. Offer to help him in the same way you might help a widow with kids. He’s now handling all the responsibilities of both father and mother. Remember: He’s still grieving the loss of the mother of his children and he’s facing the lifelong pain of helping his children (no matter their ages) as they grieve their mom’s absence.
  • For widows and widowers without children: Let them know you’re aware of them, and, if it’s appropriate, let them know you realize that Mother’s Day may be more difficult without their spouses. Exercise discretion. Some may have wanted children but been unable to have them. Others may have chosen to remain childless. Don’t base your interaction on assumptions.
  • It’s better to say something than to say nothing. You won’t “make” your friends feel sadder by speaking of their lost loved ones or “remind” them of their pain. (The sadness always exists, simmering below calm exteriors even when time and “healing” have taken place.) Even hearing “I don’t know what to say” can comfort and uplift a mourning heart.

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*Mother’s Day Mourning

**I recognize that everyone reacts differently. Some widows and widowers may still look forward to the day. More of the ones I’ve spoken with, though,  view days like this the way I do.

Here’s one fantastic alternate (but overlapping) view by my widowed friend Julie Toone: Appreciation for Mother’s Day…

If you have other suggestions that might be helpful, please share them in the comments below.