![]() Maybe in your family, you’re the clueless one. Where only one person takes care of the day-to-day stuff like that. He couldn’t tell you what company our home owner’s insurance is with, or how to access our stock account.Īnd I bet that’s how it is for most families. He couldn’t tell you what day our electricity payment is drafted, or the average monthly total for our water bill. My husband can’t tell you the name of our mortgage company, or the password to our online bank account. What if, God forbid, my husband and I both die?īut, like I said, all it takes is an extended stay in the ICU for you to look at life differently.įor our family, my passing would mean a HUGE amount of STRESS for my husband. What if I had died? What would my husband do? Here’s why you need an Emergency Preparedness Binder, what to include in an Emergency Binder, and how to set up your own In Case of Emergency Binder so that you’re prepared.Ībout 7 years ago, after I had just given birth to our youngest daughter, I went to the ER because I hadn’t been feeling quite right.įast forward a few days, and I’m laid up in the ICU with the doctors telling me that it’s a miracle that I’m alive… You can read the whole story, (including how that instance changed my outlook on piles of laundry) here.Īnd after you have a traumatic experience, it makes you start asking questions about your life, like: If documents are given to them, get a receipt (insurance polices, etc.).Do you have an Emergency Binder set up with information and important documents to make emergency situations a little less stressful? What would happen if your husband passed away suddenly and you had no idea how to manage the family finances, or even how to access your bank account online? It is advisable to call parties concerned before visiting their offices to check on which documents they will need. Transfer automobile title into your name at Secretary of State's office, or if estate is probated, through Probate Court.ĭocuments you will need to conduct business matters:.Change stocks and bonds into your name only or jointly with surviving children or relatives.Transfer real estate title of jointly-held property in the Register of Deeds office in the county where real estate is located.Change beneficiary on your inheritance.He will discuss with you probating of the will, inheritance, estate taxes, ect. For any legal questions concerning the deceased, we suggest you contact your attorney.Close accounts covered by this insurance. But first, check on credit life insurance that may have been carried on all debts (house, car, appliances, ect.). Pay all bills and taxes owed as soon as possible (funeral, income tax, real estate, home mortgage, hospital and other bills incurred).Get hospital and medical statements as soon as possible.Keep an up-to-date accounting of all cash income and expenses.If you have no income or monies due you presently, seek emergency aid from the Department of Social Services.Review of your present financial situation.Collect any debts owed to deceased by other persons.Check with Veteran's Administration, also county Veteran's office, if deceased was a veteran, especially if he served during wartime era.Apply at a local Social Security office for any benefits you and your minor children are entitled to.Check with fraternal organizations that the deceased was a member of they may provide benefits. ![]()
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