Sudden death of a spouse or partner who handled everything: your first week¶

If your husband, wife, or partner has died suddenly, and they were the one who handled the money, the bills, the passwords, the car, or the paperwork, you may feel a second wave of fear on top of your grief. You may be asking, "How will I manage this." That fear is common, and it is understandable. You are not doing anything wrong, and you do not have to learn everything at once.

Here is the most important thing to know: most things can wait. Very few tasks have a deadline in the first week, and nearly all of the ones that do can be done with help from a funeral director, a bank, a government office, or a trusted friend. This page gives you a short list of what really matters in the first days, and a long list of what can safely wait. You can read it a little at a time, or hand it to someone who is helping you.

Buni hozir qiling¶

1. Look after yourself first. Sit down, drink water, and eat something small. You have had a terrible shock.
2. Make sure the right services have been called. If the death has just happened, call your local emergency number (911 in the United States and Canada, 112 across the European Union, 999 in the United Kingdom) or the person's doctor or hospice. See the favqulodda raqamlar page for others. The guide to a sudden death at home explains what happens.
3. Ask one trusted person to stay with you, and give them a notebook. Ask them to write down names, phone numbers, and what you are told.
4. Gather the papers in one place, without sorting them. A box or a bag is enough. You are looking for a will, bank statements, insurance papers, and the person's phone.
5. Do not pay, cancel, or sign anything yet, unless it is something a funeral director or a government office has told you to do. Say, "I need a few days," to anyone who pushes you.
6. Write one list of the next three things, and give the rest to someone else to hold. You do not have to hold it all in your head.

If any of this feels too much, do only the first step. It is enough.

Siz hech qanday yomon ish qilmayapsiz¶

When one partner has handled the finances or household systems, the other partner often feels ashamed that they do not know where things are. Please set that feeling down. Couples divide jobs, and it is normal that one person knew the passwords and the other knew the school runs. Nobody expects to lose a partner suddenly and to have every answer.

You may also feel pressure from relatives, banks, or companies to act quickly. Real deadlines are few. Where a company seems to be rushing you, ask for the request in writing and take a few days. A person who has just lost their partner is allowed to say, "I need time."

Some people also feel angry at their partner for leaving things in a mess, and then guilty for feeling angry. Others feel numb, or spend hours looking for a document. All of these reactions are normal parts of grief. Be as kind to yourself as you would be to a friend.

What really needs doing in the first week, and what can wait¶

This table separates the small number of things that matter in the first week from the large number that can wait. Time limits vary by country, so check with the funeral director or the relevant office.

A flow for the first week¶

flowchart TD
    A["Your partner has died"] --> B["Death confirmed and care arranged"]
    B --> C["Ask a trusted person to stay and take notes"]
    C --> D["Gather papers and phone in one place"]
    D --> E["Choose a funeral director when ready"]
    E --> F["Register the death and order certified copies"]
    F --> G["Check for bills due soon and ask for time"]
    G --> H["Tell banks and benefit offices in the next weeks"]
    H --> I["Deal with the estate and big decisions later"]

The first two days¶

In the first two days, your only jobs are to be safe, to eat and rest a little, and to let people help. If the death was unexpected, you will have professionals at the home, and probably a funeral director in the coming day or two. You can ask the police, the paramedics, or the doctor to write down what happens next.

If you can, have someone stay with you overnight. Switch your phone to silent for a few hours, and ask a friend to answer messages. If you have children, the guide on bolalar va o'smirlarga o'lim haqida gapirib berish can help.

Who to tell first¶

Make a short list of the people who need to know soon: your partner's parents and siblings, your own close family, close friends, and perhaps a boss or employer. You can ask a friend to make calls for you. Give them the plain facts and ask them to say you will be in touch.

Ask people not to post on social media until close family have been told. If you are targeted by messages or calls you do not want, you can switch off notifications.

Finding what you need without panic¶

Agar sherigingiz hujjatlar, parollar va hisoblarni saqlagan bo'lsa, qaerdan boshlashni bilmasligingiz mumkin. Sokin, kichik qidiruv etarli. Bugun hammasini tushunishingiz shart emas.

Qayerga qarash kerak¶

• "Bank", "sug'urta", "uy" yoki "iroda" yorlig'i bo'lgan hujjatlar shkafi, stol yoki papka.
• Shkaf orqasidagi seyf, tortma yoki quti.
• Keyingi bir necha hafta ichida keladigan post. U siz bilmagan hisoblarni ko'rsatadi.
• A bank, insurance, or pension statement on paper or by email.
• Ularning telefoni, noutbuki yoki plansheti va agar foydalanilgan bo'lsa, parol menejeri.
• Their wallet and purse, for cards and ID.
• A diary, calendar, or address book.
• A solicitor or attorney, accountant, or financial adviser, if you know of one.
• Their employer's human resources department, who may know of life insurance or benefits.

Birinchi oylarda hech qanday post yoki qog'ozni, hatto keraksiz narsalarni ham tashlamang. U muhim eslatmalarni o'z ichiga olishi mumkin.

A simple master list¶

Start a notebook or document, and write down what you find:

• Banks and cards, with the names of accounts and who they are with.
• Insurance policies, including life, home, car, and health.
• Pensions and retirement accounts.
• Mortgage or rent, and who is paid.
• Utilities such as gas, electricity, water, phone, and internet.
• Loans, credit cards, and other debts.
• Subscriptions and regular payments.
• Vehicle details and registration.
• Employer, and any final pay or benefits owed.

You do not have to complete it in a week. You are building a picture, and you can add to it over the coming months.

Phones, passwords, and two step codes¶

Many accounts today use a phone for security codes. If your partner's phone has died or is locked, do not try to force your way in or guess too many times, because phones can lock for good. Keep the phone charged and safe.

Look for a notebook of passwords, a password manager, or a note in a drawer. Banks, email providers, and phone companies each have a process for families after a death, and they usually need a death certificate.

If you cannot get into an account, ask the company what they need. It may take time, and it does not need to be done this week.

Money and bills in the first week¶

Money worries can be the loudest worry, and they are often smaller than they feel in the first days. A few points can help.

What usually needs a quick look¶

• Rent or mortgage. Check when the next payment is due. If you may not be able to pay, call your landlord or lender and say, "My partner has died, and I need a little time." Most are understanding and have processes for bereaved people.
• Utilities. Keep the heat, power, and water on. If bills are due, ask for a short extension. Many providers have a bereavement team.
• Food and basic spending. Make sure you have access to money for daily needs. If an account was in your partner's name only, it may be frozen, and you may need to use your own funds or ask the bank what is possible.
• Insurance on the home and cars. Keep these active. Tell the insurer in the coming weeks, and ask them to confirm cover.

Joint accounts and individual accounts¶

If you had a joint account, you can usually keep using it, but banks vary. Many banks allow the surviving holder to continue, and they may ask for a death certificate. If your partner had accounts in their name alone, the bank usually freezes them once told of the death, and they are handled through the estate. You may need legal documents to access them, and this takes time.

Ask the bank about the exact process, and ask what you can do in the meantime. If you need money for the funeral, ask the funeral director and the bank what is possible, because some banks can release funds for funeral costs on request.

Automatic payments¶

Many bills are paid by direct debit or automatic card payment, and they may keep going for a while. Do not cancel everything in a rush, because cancelling a mortgage, insurance, or utility can cause trouble. Look at which payments continue, and decide in a few weeks which to keep and which to stop. If your partner's account is frozen, some payments may fail, and you can contact the company and explain.

Debts¶

Ko'pgina mamlakatlarda siz sherikning qarzlari uchun shaxsan javobgar bo'lmaysiz, agar ular uchun birgalikda imzolamasangiz yoki nikoh mulkiga oid qonunlar amal qiladigan joyda yashamasangiz. Qarz yig'uvchilar hali ham qo'ng'iroq qilishlari mumkin va ba'zilari sizga to'lashingiz kerakligini taklif qilishlari mumkin. Qo'llanma yoqilgan vafot etgan turmush o'rtog'i yoki ota-onaning qarz yig'uvchisi talablari huquqlaringizni tushuntiradi. Telefon orqali pul to'lamang yoki hech narsaga rozi bo'lmang va yozma ravishda so'rovlarni so'rang.

Daromad, imtiyozlar va sug'urta¶

Agar sherigingiz uy daromadiga hissa qo'shgan bo'lsa, kelgusi oylarda pul haqida tashvishlanishingiz mumkin. Yordam mavjud bo'lishi mumkin va bir nechta telefon qo'ng'iroqlari nima tegishli ekanligini bilib oladi.

Hayotni sug'urtalash va mehnat imtiyozlari¶

Hayotni sug'urtalash siyosatini, shu jumladan ish beruvchi orqali qidiring. Sug'urtalovchi yoki inson resurslari bilan bog'laning va da'vo qilish uchun nima kerakligini so'rang. Ular odatda tasdiqlangan o'lim guvohnomasi va da'vo arizasini so'rashadi. Shoshilmang, lekin unutmang, chunki ba'zi da'volar vaqt chegarasiga ega.

Hamkoringizning ish beruvchisidan yakuniy ish haqi, foydalanilmagan ta'til, pensiya va xizmat nafaqasidagi har qanday o'lim haqida so'rang. Ko'pgina mamlakatlarda ish beruvchilar buni to'lashlari kerak va ular sizga qadamlar bo'yicha ko'rsatma beradi.

Hukumat yordami¶

Hukumatlar ko'pincha omon qolgan sheriklarga, ayniqsa bolalari borlarga yordam beradi. Tafsilotlar mamlakatga bog'liq, shuning uchun rasmiy veb-saytlardan foydalaning.

• Amerika Qo'shma Shtatlari. Ijtimoiy xavfsizlik ma'muriyati ish tarixiga qarab turmush o'rtog'i va bolalariga bir martalik o'lim to'lovi va boquvchisini yo'qotganlik uchun nafaqa to'lashi mumkin. Dafn marosimi ko'pincha ijtimoiy himoyaga o'lim haqida xabar beradi, ammo siz tasdiqlashingiz kerak. Faxriylar ishlari bo'limi faxriylardan omon qolganlar uchun imtiyozlar taklif qiladi. Davlat va mahalliy yordam haqida ham so'rang.
• Birlashgan Qirollik. GOV.UK marhumni qo‘llab-quvvatlash to‘lovi va boshqa yordamni tushuntiradi. Bizga bir marta ayting. O'lim qayd etilgandan so'ng birdaniga ko'plab davlat idoralariga o'lim haqida xabar berish imkonini beradi. Dafn marosimi xarajatlari To'lov xarajatlarga yordam berishi mumkin.
• Kanada. Kanada xizmati Kanada pensiya rejasida omon qolganlar uchun nafaqa va o'lim bo'yicha nafaqani taklif qiladi, viloyatlar va hududlar esa ko'proq narsani taklif qilishi mumkin. Veterans Affairs Canada omon qolganlarga yordam taklif qiladi.
• Avstraliya. Xizmatlar Avstraliyada Bereavement Hub va Bereavement Allowance va boshqa yordam kabi to'lovlar haqida ma'lumot mavjud va siz o'limdan keyin ular bilan bog'lanishingiz mumkin.

Ilovalarda ko'pincha muddatlar yoki eskirish chegaralari mavjud, shuning uchun erta so'rang. Ijtimoiy ishchi, hospislar guruhi yoki jamoat markazi ariza topshirishda yordam berishi mumkin.

Tibbiy sug'urta va parvarish¶

Agar sizning sog'liq sug'urtasi sherigingizning ishi bo'yicha bo'lsa, davomiy sug'urta haqida so'rang. Ba'zi mamlakatlarda sizda yangi qamrovni tashkil qilish uchun qisqa oyna mavjud. Birinchi haftalarda ish beruvchidan yoki sug'urtalovchidan so'rang va ishonchingiz komil bo'lmasa, ijtimoiy ishchi yoki maslahat xizmatidan so'rang.

Uy, avtomobil va kundalik tizimlar¶

"Hamma narsani" boshqargan sherik ko'pincha siz hozir bilib olishingiz kerak bo'lgan kichik tizimlarni boshqargan. Bu hafta ularning barchasini o'rganish haqida tashvishlanmang.

• Axlat qutilari, qayta ishlash va ta'mirlash. Qo'shningiz yoki do'stingizdan ishlar qanday ishlashini so'rang. Odamlar yordam berishdan xursand.
• Mashina. Sug'urta, soliq va ro'yxatdan o'tish haqiqiyligini tekshiring. Agar sherigingiz yagona haydovchi bo'lsa, sug'urtalovchiga xabar bering. Agar siz haydamasangiz, do'stingizdan liftlarni so'rang va mashinani xavfsiz saqlang. Uni shoshqaloqlik bilan sotmang.
• Isitish, qozonxonalar va kommunal xizmatlar. O'chirish klapanlari va o'chirgich qutisini toping va do'stingizdan sizga ko'rsatishini so'rang. Agar ijaraga olsangiz, uy egasi yordam berishi mumkin.
• Soliqlar. Ko'pgina soliq idoralari boquvchisini yo'qotganlar uchun muddatlarni uzaytiradi. Kelgusi haftalarda soliq idorasiga murojaat qiling yoki buxgalterga murojaat qiling.
• Maktab va bolalar tartiblari. Maktabga ayting va ulardan muloyim bo'lishlarini so'rang. Do'stlaringizdan lift va ovqatlanishda yordam berishlarini so'rang.
• Dori-darmonlar va uchrashuvlar. O'zingizning dori-darmonlaringiz va uchrashuvlaringizni davom ettiring.

Uy hayvonlari¶

Agar sizda uy hayvonlari bo'lsa, ular ham oziq-ovqat, yurish va parvarishga muhtoj. Agar qiynalayotgan bo'lsangiz, do'stingizdan bir necha kun yordam so'rang. Uy hayvonlari ham sarosimaga tushib, xafa bo'lishi mumkin.

Uy va o'zingizni xavfsiz saqlash¶

O'limdan keyin bir nechta ehtiyot choralari oqilona.

• Eshik va derazalarni qulflang, zaxira kalitlarni xavfsiz saqlang.
• Kimdandir siz bilan qolishini yoki har kuni ro'yxatdan o'tishini so'rang, ayniqsa yolg'iz yashasangiz.
• Dafn marosimi haqida hammaga nima ulashayotganingizga ehtiyot bo'ling. Agar uy bo'sh bo'lsa, manzil va vaqtni yozishdan saqlaning.
• Postni ushlab turing yoki agar siz uzoqda bo'lsangiz, do'stingizdan uni yig'ishini so'rang.
• Kutilmaganda qo'ng'iroq qilgan yoki xabar yuborgan odamlarga shaxsiy ma'lumotlarni bermang.

O'lganlarga qaratilgan firibgarliklar¶

Afsuski, ba'zi jinoyatchilar qayg'u chekayotgan odamlarni nishonga olishadi. Ular qo'ng'iroq qilib, sherigingizdan qarzdorligi yoki pulni qaytarish, mukofot yoki meros kutayotganini da'vo qilishlari mumkin. Ular o‘zini bank, davlat idorasi yoki xayriya tashkiloti vakili sifatida ko‘rsatishi mumkin. Ular, shuningdek, keraksiz qonuniy yoki dafn marosimi uchun qo'shimchalar kabi haddan tashqari qimmat xizmatlarni sotishga harakat qilishlari mumkin.

O'zingizni himoya qiling:

• Kutilmagan qo'ng'iroq tufayli hech kimga telefon, sovg'a kartasi yoki pul o'tkazmasi orqali to'lamang.
• Hisob raqamlari yoki parollarni bermang.
• So'rovni yozma ravishda so'rang va ishonchli odam bilan tekshirish uchun vaqt ajrating.
• Telefonni qo'ying va o'zingiz topgan raqamga tashkilotga qayta qo'ng'iroq qiling.
• Tez harakat qilishingizga majbur qiladigan har qanday odamdan ehtiyot bo'ling.

Yo'riqnomalarga qarang firibgarlik va firibgarlik va shaxsni o'g'irlash javobi for more.

Hamkoringizning shaxsiyatini himoya qilish¶

Jinoyatchilar ba'zan o'lgan odamning shaxsini noto'g'ri ishlatishadi. O'lim qayd etilgandan so'ng, mamlakatingizdagi kredit ma'lumot agentliklaridan sherigingiz faylini o'lgan deb belgilashni so'rang. Bu soxta kreditlar yoki hisoblarning oldini oladi. Dafn marosimi direktori yoki hukumat idorasi odatda sizga qanday qilib aytishi mumkin.

Vasiyatnoma, mulk va advokat¶

Agar sherigingiz vasiyatnoma qoldirgan bo'lsa, uni toping va uni xavfsiz saqlang. Uni muammoga olib kelishi mumkin bo'lgan tarzda ochmang yoki o'zgartirmang. Agar uni topa olmasangiz, advokat yoki advokatdan, bankdan yoki vasiyatnomani olgan suddan, agar sizning mamlakatingizda mavjud bo'lsa, so'rang.

Mulkni ijrochi yoki ba'zi mamlakatlarda ma'mur sifatida ko'rsatilgan shaxs boshqaradi. Bu siz bo'lishingiz mumkin. Vazifa qonuniy va ba'zan murakkab, lekin buni yolg'iz bajarishingiz shart emas.

Advokat yoki advokat sizga yo'l-yo'riq ko'rsatishi mumkin va ko'pchilik birinchi uchrashuvni arzon yoki bepul taklif qiladi. Agar sherigingizning xohishi bo'lmasa, boshqa jarayon qo'llaniladi va advokat buni tushuntirishi mumkin.

Birinchi haftada mulk bilan shug'ullanishingiz shart emas. Bloklangan hisoblar yoki mulkni kechiktirish kabi muammolar uchun qo'llanmaga qarang probate lokavt va ijrochi favqulodda organi. Agar sizning sherigingiz davlat dasturi tomonidan moliyalashtiriladigan uzoq muddatli parvarishga muhtoj bo'lsa, qo'llanma Medicaid mulkni qayta tiklash Qo'shma Shtatlarda tegishli bo'lishi mumkin.

Kim sizga yordam bera oladi¶

Buni yolg'iz o'zingiz qilishingiz shart emas. Yordam berishi mumkin bo'lgan odamlar va xizmatlar quyidagilardan iborat:

• Do'stlaringiz va oilangiz siz bilan o'tirishi, mashina haydashi, ovqat pishirishi va qo'ng'iroq qilishi mumkin.
• Dafn marosimi direktori, u ko'pincha nima va qachon qilish kerakligini biladi.
• Hospisning vafot etganlar jamoasi, agar sherigingiz hospisda bo'lsa.
• Sizning shifokoringiz sog'lig'ingizni tekshirib, sizni maslahatga yuborishi mumkin.
• **Birlashgan Qirollikdagi Cruse Bereavement Support yoki boshqa joylarda mahalliy hospis va jamoat guruhlari kabi marhumlar uchun xayriya tashkiloti.
• Ijtimoiy ishchi yoki nafaqalar bo‘yicha maslahatchi, u sizga yordam so‘rashda yordam beradi.
• Advokat yoki advokat vasiyatnoma, mulk va huquqiy savollar uchun.
• E'tiqod yetakchisi yoki jamoat guruhi, ma'naviy va amaliy yordam uchun.
• Buxgalter yoki soliq maslahatchisi, agar sizning moliyaviy ahvolingiz murakkab bo'lsa.

Har biridan so'rang: "Birinchi haftada nima qilishim kerak va nima kutish mumkin?" Ularning javobi bo'ladi.

O'zingizga g'amxo'rlik qilish¶

Siz qayg'urasiz va ko'p narsalarni ko'tarasiz. Sizning tanangiz va ongingiz g'amxo'rlikka muhtoj. Suv iching, ozgina ovqatlaning, imkon qadar dam oling va odamlarga yordam bering. Qo'llanma yoqilgan qattiq qayg'u ichida o'zingizga qarash jismoniy alomatlar, uyqu va ogohlantirish belgilarini qamrab oladi.

Agar siz davom eta olmasligingizni his qilsangiz yoki hayotingizni tugatish haqida o'ylayotgan bo'lsangiz, darhol birovga ayting. Mahalliy favqulodda raqamingizga yoki AQSh va Kanadada 988, Buyuk Britaniyada Samaritans 116 123 yoki Avstraliyada Lifeline 13 11 14 kabi inqiroz liniyasiga qo'ng'iroq qiling. The favqulodda raqamlar sahifa boshqa mamlakatlar uchun inqiroz chiziqlari ro'yxati.

Birinchisidan keyingi haftalar¶

Birinchi hafta odatda odamlar va vazifalar bilan to'la. Taxminan ikkinchi yoki uchinchi haftada tashrif buyuruvchilar uzoqlashadilar va sukunat eng qiyin qismi bo'lishi mumkin. Bu do'stlaringizdan ro'yxatdan o'tishni, vafot etganlar guruhiga qo'shilishni yoki shifokoringizni ko'rishni so'rash uchun yaxshi vaqt.

Agar siz kurashayotgan bo'lsangiz, bu sizning muvaffaqiyatsizlikka uchraganingizni anglatmaydi. Bu siz xafa bo'lganingizni anglatadi.

Amaliy shablonlar¶

Ushbu qisqa skriptlar qo'ng'iroqlarni osonlashtirishi mumkin.

Bank yoki kompaniyaga: "Men qo'ng'iroq qilyapman, chunki mening sherigim, [ism] vafot etdi. Men nima qilishim kerakligini va sizga nima kerakligini bilmoqchiman. Iltimos, yozma ravishda yubora olasizmi."

Uy egasiga yoki qarz beruvchiga: "Mening sherigim yaqinda vafot etdi. Men mulkni tartibga solish paytida [sana] sanasida to‘lanishi lozim bo‘lgan to‘lovni qisqa muddatga uzaytirishni so‘ramoqchiman. Sizga nima kerakligini ayta olasizmi?"

Sizga bosim o'tkazayotgan odamga: "Bugun qaror qabul qila olmayman. Iltimos, tafsilotlarni yozma ravishda yuboring, tayyor bo'lganimda javob beraman".

Do'stimga: "Menga [aniq vazifa] bo'yicha yordam kerak. Buni qila olasizmi yoki men buni qilayotganimda yonimda o'tirasizmi?"

Mamlakat bo'yicha farqlar¶

Qoidalar har xil, shuning uchun mahalliy bo'ylab tekshiring. Ushbu eslatmalar faqat umumiydir.

Amerika Qo'shma Shtatlarida¶

Dafn marosimi uyi odatda o'lim to'g'risidagi guvohnomani topshiradi va ijtimoiy sug'urtaga xabar berishi mumkin. Banklar va sug'urtachilar uchun bir nechta tasdiqlangan nusxalarini saqlang. Ijtimoiy xavfsizlik boshqarmasidan omon qolganlar uchun nafaqalar haqida so'rang va davlatingizdan mahalliy yordam haqida so'rang. Qo'shma hisoblar ko'pincha davom etadi va shaxsiy hisoblar sinovdan o'tadi.

Buyuk Britaniyada¶

O'limni ro'yxatdan o'tkazing va ko'plab davlat idoralari uchun bizga bir marta ayting. Bemorni qo'llab-quvvatlash to'lovi haqida so'rang. Banklar odatda shaxsiy hisoblarni muzlatib qo'yadi va advokat yoki bank probatsiyani tushuntirishi mumkin. Fuqarolar maslahati pul va huquqiy masalalarda yordam berishi mumkin.

Kanadada¶

Kanada Pensiya rejasi imtiyozlari uchun Kanada xizmatiga xabar bering va ko'chmas mulk uchun viloyat qoidalarini tekshiring. Banklarda halok bo'lish guruhlari mavjud. Advokat yoki notarius mulk bilan yordam berishi mumkin.

Avstraliyada¶

Services Australiada marhumlik xizmati mavjud va ba'zi agentliklar haqida xabar berishi mumkin. Dafn marosimining direktori ro'yxatga olishda yordam beradi. Banklarda vafot etgan mulklar bo'yicha jarayonlar mavjud va har bir shtatda sinov uchun o'z qoidalari bor.

Boshqa mamlakatlarda¶

Ko'pgina mamlakatlar o'limni bir necha kun yoki hafta ichida ro'yxatdan o'tkazishni, keyin esa bir qator bildirishnomalarni talab qiladi. Dafn marosimi direktoridan, elchixonangizdan yoki mahalliy maslahat xizmatidan so'rang. ga qarang favqulodda raqamlar Agar siz chet elda bo'lsangiz, konsullik yordami uchun sahifa.

Birinchi yordamni o'rgatish bo'yicha eslatma¶

Agar siz kelajakdagi favqulodda vaziyatlarga ko'proq tayyor bo'lishni istasangiz, Qizil Xoch, Sent-Jon tez yordam mashinasi yoki mahalliy provayderning amaliy birinchi yordam kursi CPR va boshqa ko'nikmalarni o'rgatishi mumkin. Bu hozir qilinadigan ish emas va hech kim bosim sezmasligi kerak. Bu shunchaki keyinroq variant.

Tez-tez beriladigan savollar¶

Birinchi haftada kuta olmaydigan yagona narsa nima?¶

O'lim tasdiqlanganligiga ishonch hosil qiling va sherigingizga g'amxo'rlik qiling, o'zingizga va har qanday bolalarga yoki uy hayvonlariga g'amxo'rlik qiling va tez orada to'lanadigan har qanday hisob-kitoblarga vaqt so'rang. Ba'zi mamlakatlarda o'limni ro'yxatga olish muddati bor, ammo dafn marosimi direktori yoki ro'yxatga oluvchi buni tushuntiradi. Deyarli hamma narsa, shu jumladan hisoblarni yopish va mulk bilan ishlash, bir necha hafta kutishi mumkin.

Men hali ham qo'shma bank hisobimizdan foydalana olamanmi?¶

Odatda ha, garchi banklar farq qilsa ham, ba'zilari o'lim haqidagi guvohnomani so'rashadi. Faqatgina sherigingiz nomidagi hisoblar, odatda, bankka o'lim haqida xabar berilgach, muzlatiladi. Bankingizdan ularga nima kerakligini va shu vaqt ichida nima qilishingiz mumkinligini so'rang.

Men sherigimning qarzlari uchun javobgarmanmi?¶

Ko'pgina mamlakatlarda siz sherikning qarzlari uchun shaxsan javobgar emassiz, agar ular uchun birgalikda imzolamagan bo'lsangiz yoki nikoh mulkiga oid mahalliy qonunlar qo'llanilmasa. Qarz yig'uvchilar siz bilan hali ham bog'lanishi mumkin va siz telefonda hech narsaga rozi bo'lishingiz shart emas. So'rovlarni yozma ravishda so'rang va advokat, advokat yoki maslahat xizmatidan maslahat so'rang.

O'limdan keyin o'zimni firibgarlikdan qanday himoya qilishim mumkin?¶

Kutilmagan qo'ng'iroq, xabar yoki tashrif tufayli hech kimga pul to'lamang, hisob ma'lumotlarini bermang yoki biror narsaga imzo chekmang. Hamma narsani yozma ravishda so'rang, vaqt ajrating va o'zingiz topgan raqam bo'yicha ishonchli shaxs yoki tashkilot bilan maslahatlashing. Sizni tez harakat qilishga majburlagan har bir kishidan ayniqsa ehtiyot bo'ling.

Manbalar tekshirildi¶

• GOV.UK (Birlashgan Qirollik): "Kimdir vafot etgandan keyin nima qilish kerak", "Bizga bir marta ayting", "Marhumni yo'qotganlik uchun to'lov" va "Dafn marosimi xarajatlari bo'yicha yordam oling".
• Fuqarolarga maslahat (Birlashgan Qirollik): o'limdan keyin pul va qarzlar bilan ishlash bo'yicha ko'rsatmalar.
• Ijtimoiy xavfsizlik boshqarmasi (AQSh): omon qolganlar uchun nafaqalar va o'lim to'lovlari.
• Federal Savdo Komissiyasi va Iste'molchilarni moliyaviy himoya qilish byurosi (AQSh): vafot etganlarning qarzlari, marhumlarga qaratilgan firibgarlik va dafn marosimi qoidalari bo'yicha ko'rsatmalar.
• Kanada xizmati va Kanada hukumati: Kanada pensiya rejasi omon qolganlar uchun nafaqa va o'limdan keyin nima qilish kerak.
• Xizmatlar Avstraliya: o'limdan keyin vafot etish va moliyaviy yordam.
• Qizil Xoch (Amerika Qizil Xoch, Britaniya Qizil Xoch): marhumdan keyin yordam.
• Cruse Bereavement Support (Birlashgan Qirollik), Hospice UK va National Hospice and Palliative Care Organization (Amerika Qo'shma Shtatlari): marhumni qo'llab-quvvatlash.
• 988 Suicide and Crisis Lifeline (AQSh va Kanada), Samaritans (Birlashgan Qirollik) va Lifeline (Avstraliya).

Ushbu sahifa yuridik yoki moliyaviy maslahat emas, balki umumiy ma'lumotdir. Qoidalar va muddatlar mamlakat va mintaqaga qarab farq qiladi, shuning uchun tegishli idora yoki malakali maslahatchi bilan maslahatlashing.

Tegishli qo'llanmalar¶

• Oila a'zosi bir kechada uyda kutilmaganda vafot etdi
• Uyda o'limdan keyingi birinchi soatlar va kunlar
• O'zingizga qattiq qayg'u bilan qarash
• O'lgan turmush o'rtog'i yoki ota-onaning qarz yig'uvchisi talab qiladi
• Probate lokavt va ijrochi favqulodda organi