Morbid but important

Three months ago my co-worker (who is about my age) had a beautiful destination wedding in Jamaica. Two months ago she and her husband bought a new house. We've all been incredibly happy for her, so of course everyone was stunned to learn that Monday night she came home to find that her husband had suddenly died. I don't know the details, but it was completely unexpected.


In the last few months my coworker obviously had a lot going on, and taking care of legal paperwork wasn't on the top of her list.


I'm not writing this to be incredibly depressing (although I know I am, so I apologize). Instead I'm writing this as a reminder to change your life insurance beneficiary and adjust your will if you haven't already. DH and I have been married for almost a year and a half, and it took this tragic event to finally get us moving on this paperwork. We bought a new house last month, and neither one of us can afford it on our own. However, we each still had our respective parents listed as beneficiaries, and in the horrible case that one of us should pass away, the other wouldn't be able to afford to keep the house.


I know that my parents would just turn the money over to DH, but I don't know what his parents would do; money is a tricky thing. In order to avoid unnecessary drama and worries if the unthinkable were to happen, we're taking care of this unpleasant business now. I have no doubt that the last things my coworker wants to deal with are money and insurance forms.


:(


 

Posted on November 14, 2012 at 7:57 am
fromcoldtofire
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(12) Comments

janandgerald
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03/26/2016
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By us being older we have already discussed this, Wills and insurance are already in tact.

Posted on November 14, 2012 at 8:03 am
Uhlease
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09/02/2012
Uhlease

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That is horrible :( I literally just switched Trent to my beneficiary b/c I was dealing with benefits and everything at work, I just did everything I could at once -not really thinking that it could actually ever matter. That is so sad that it can...I hope you're friend is doing ok

Posted on November 14, 2012 at 8:07 am
jilllauren
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11/30/2012
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So sad... good reminder but wow. All the best for your friend during such a tough time.

Posted on November 14, 2012 at 10:25 am
adamsapple
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06/05/2011
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adamsapple

That's such tragic news to your co worker and my heart really reaches out to her. You raise a really good point as well, so thank you for sharing.
Posted on November 14, 2012 at 10:45 am
beccabride
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10/10/2010
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Oh my gosh, I'm so sorry to hear about your coworker's loss.  I just brought this up to DH to make sure we have all that changed.  : )  Thank you for this very important reminder!

Posted on November 14, 2012 at 4:20 pm
GermanBride2011
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05/28/2011
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Oh my god, so horrible :( Manuel and I switched the beneficiary a half year before our wedding (at this time we were a couple for over 9 years) to get in casethe money go to our pertner and not to our parents because we are now in the process of buying a house and as you said we couln't afford to keep a house with only one person.

Posted on November 15, 2012 at 12:00 am
rebecca_bell
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I had to deal with this with my first husband.  He passed unexpectedly and we had a 2 yr old at the time.  It was a nightmare.  Seriously. 


Get life insurance, write a will and don't forget to get it notarized and recorded at your local courthouse.  That way, people have less of a chance to fight over things in court. 


My experience changed my life more than can be imagined and its not hard to get these things done.


TRUST ME!!!

Posted on November 15, 2012 at 12:51 am
melsmith56
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Actually, it's nor really morbid at all . . . it's just one of those realities of life.  Insurance has to be taken care of early in the marriage.  Something else to consider is to pre-plan your own funeral.  It costs about the same as car insurance per month.  My husband and both have taken out funeral insurance, and have pre-planned both of our funerals.  It's really tough to have to do this when you're in shock right after the death of a loved one, and much, much easier to take care of it up front too.

Posted on November 15, 2012 at 1:23 am
MrsCaleYoung
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06/30/2012
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I totally agree with melsmith when she said it is just one of the realities of life. Soon as we returned from our honeymoon, my husband added me to his health insurance, retirement plan and changed beneficiary. I did the same at my job as well and through the Navy reserves. 


I am so sorry to hear about your friend losing her husband! Thanks for sharing the information. You, her and her family are in my thoughts and prayers!

Posted on November 15, 2012 at 2:04 am
Sammy_D
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How incredibly sad :( It is a good reminder though, I know DH is listed as my beneficiary but this is a good reminder to check with him for his work. I would like to think his parents are pretty cool though!

Posted on November 15, 2012 at 2:54 am
mrs_shondra
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08/10/2013
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This is horrific. I'm so sorry for her loss, but yes this is one of the things we must take care of.
Posted on November 15, 2012 at 3:00 am
Santosha
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06/16/2012
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It's not morbid at all, Lauren.  That's the reality of life sometimes and it's easy to lose track of time and not deal with the less-exciting things like this.  It's a good reminder to get these things sorted asap for the sake of peace of mind.  Thanks for this post.  ;)

Posted on November 15, 2012 at 3:17 am

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