UNDERSTAND
THE PERSON
IN HIS MOURNING
Support
after death
WE SUPPORT YOU
In addition to this, you will need to know more about it.
BEFORE, DURING & AFTER
-
WITH USEFUL ADVICE & SERVICES
Each person is unique and reacts differently during grief. You have to be tolerant and want to give energy to support your bereaved loved one. These reactions can seem complex and very often the first help begins by talking with the bereaved.
Freeing one's speech is a key step in the healing process.
Support groups are offered in order to regain hope in grief.
The goal is to bring comfort and find the strength to continue with life.
TO BE PRESENT . LISTENING. BE TOLERANT. COMFORT THEM
HAVE COMPASSION. SUPPORT THEM. GIVE HOPE
ignoring
THE EMOTIONAL STATE
Grief brings about changes in the grieving person's behavior. The most often felt emotions are:
sadness
cry
anger
FIND OUT
the calendar
procedures after death
- Obtain the death certificate from the doctor.
- Contact the funeral directors (within 48 hours).
- Look for concession titles if there is a family vault.
confusion
WITHIN 24 HOURS
the post-death procedures to follow
IN THE 7 DAYS
- Notify financial institutions for blocking the accounts of the deceased.
To obtain death benefits, you must inform:
The employer of the deceased. He will pay the balance of salary and allowances.
Take stock of any contingency contracts: they can pay a lump sum to the family for “funeral costs” or an annuity.
- Request the early release of the accumulated sums, in respect of participation.
Please note, to recover these sums without having to pay income tax on any capital gains realized, you must make the request within 6 months of the death.
Mutual or complementary health insurance: some of them pay a lump sum to the family upon the death of an insured.
The primary health insurance fund: to obtain the death benefit if the deceased was an employee, unemployed person receiving benefits, in early retirement or in receipt of an invalidity pension.
- Inform the organizations that paid benefits to the deceased (so as not to receive undue allowances, which will then have to be reimbursed).
Pôle Emploi if the deceased was receiving unemployment or solidarity allowance, early retirement.
Basic and supplementary pension funds if the deceased was retired.
Social assistance from the department if it benefited from a service from the department, in particular to finance accommodation in a retirement home.
The family allowance fund for holders, in particular, of housing assistance.
The health insurance fund for those receiving daily allowances, invalidity pension ...
IN THE FIRST MONTH
- Contact the notary. Note that if the succession does not include real estate and in the absence of a marriage contract, gift, gift between spouses or will, it would be possible to do without it. It is nevertheless strongly recommended to use it given the complexity of inheritance rights and taxation.
- Make requests to obtain services such as:
. Survivor pensions: the surviving spouse or ex-spouse must apply to the basic and supplementary pension schemes to which the deceased has to contribute.
. Widowhood allowance: to be requested from the regional health insurance fund. You will be able to benefit from it, under certain conditions, if you cannot obtain the survivor's pension from the employees' scheme.
In the event of a drop in income, the surviving spouse may be entitled to:
A benefit from the family allowance fund (for example: housing assistance).
Assistance with the acquisition of complementary health insurance. In fact, under conditions of resources, one can benefit from free “complementary CMU” or from financial assistance for complementary health.
Check with the health insurance fund.
- Take stock of all current contracts:
. Warn credit organizations: any death insurance taken out by the borrower (compulsory for real estate loans) reimburses the outstanding capital.
. Notify the company with which the life insurance contract has been taken out.
. Cancel, if necessary, home, auto, supplementary health insurance contracts ... but also EDF, GDF, France Telecom, cable subscriptions ... or have them transferred to another name for bill payment. Inform about the situation:
- The lessor if the deceased was a tenant and the property manager if he was a co-owner.
- The tenants of the deceased if he was lessor: give them the contact details of the person who will now collect the rents.
- The primary health insurance fund
- The tax office
IN 6 MONTHS
- Have the doctor declare the death.
- Contact the funeral directors (within 48 hours).
- Look for concession titles if there is a family vault.