Losing a spouse is one of life's most devastating experiences. In the weeks that follow, there are over 100 practical tasks that need attention — while you're also grieving. Lumeway helps you know what to do, in what order, one step at a time.
What to expect
Critical deadlines
You have 60 days from loss of coverage to elect COBRA continuation coverage. Missing this window means losing access entirely.
Benefits don't back-pay more than 6 months. Apply as soon as possible — don't wait until you "feel ready."
Federal estate tax return (Form 706) is due 9 months after date of death if the estate exceeds the exemption threshold.
You can file taxes at the married filing jointly rate for 2 years after your spouse's death if you have a dependent child.
Most states require the will to be filed with probate court within 30–90 days of death. Check your state's specific requirements.
There's no hard deadline, but outdated beneficiaries on retirement accounts and life insurance can cause serious problems. Do this soon.
National resources
Apply for survivor benefits, understand what you're entitled to, and find your local SSA office.
ssa.gov/survivors →Official government guide to all federal survivor benefits including veterans, federal employees, and more.
usa.gov/survivor-benefits →Community, resources, and peer support for widows navigating life after loss.
modernwidowsclub.com →Find grief support groups near you. Over 15,000 groups worldwide to help you heal.
griefshare.org →