7/11/24

protect your late partner's identity; part 2


"Protecting the Dead From Identity Theft" by Sid Kirchheimer, author of Scam Proof Your Life, continues:
 Ghosting can still cause plenty of angst. So protect yourself by taking these steps after a loved one's death:

In obituaries, list the age but don't include birth date, mother's maiden name or other personal identifiers that could be useful to ID thieves. Omitting the person's address also reduces the likelihood of a home burglary during the funeral (sadly, this does happen).

·  Using certified mail with "return receipt," send copies of the death certificate to each credit-reporting bureau — Equifax, Experian and TransUnion — asking them to place a "deceased alert" on the credit report. Mail certificates to banks, insurers, brokerages and credit card and mortgage companies where the deceased held accounts. If you're closing an individual account, make sure the institution lists "Closed: Account Holder Is Deceased" as the reason. For joint accounts, remove the deceased's name.

·  Report the death to Social Security by calling 800-772-1213.

·  Contact the Department of Motor Vehicles to cancel the deceased's driver's license, to prevent duplicates from being issued to fraudsters.

·  A few weeks later, check the credit report of the person at annualcreditreport.com to see if there's been any suspicious activity. Several months later, go to the same site to get another free report from a different credit-reporting bureau.

·  For more tips, visit the Identity Theft Resource Center and type "deceased" in the search box.

 Sid Kirchheimer is the author of Scam-Proof Your Life (AARP Books/Sterling). He writes the Scam Alert column for AARP.

7/8/24

protect your late partner from identity theft; part 1





 
We came across this important article by Sid Kirchheimer, author of Scam Proof Your Life, in the AARP Bulletin:

Protecting the Dead From Identity Theft

Identity thieves are sinking to new lows — specifically, six feet under.
Each year they use the identities of nearly 2.5 million deceased Americans to fraudulently open credit card accounts, apply for loans and get cellphone or other services, according to fraud prevention firm ID Analytics.

Nearly 800,000 of those deceased are deliberately targeted — roughly 2,200 a day. The identities of the others are used by chance: Crooks make up a Social Security number that happens to match that of someone who has died.

 It's called "ghosting," and because it can take six months for financial institutions, credit-reporting bureaus and the Social Security Administration to receive, share or register death records, the crooks have ample time to rack up charges. Plus, of course, the dead don't monitor their credit — and often, neither do their grieving survivors.

Sometimes, crooks glean personal information from hospitals or funeral homes. More often, the crime begins with thieves trolling through obituaries. With a name, address and birth date in hand, they can illicitly purchase the person's Social Security number on the Internet for as little as $10.

This time of year, criminals may file tax returns under the identities of the dead, collecting refunds (they totaled $5.2 billion in 2011) from the IRS.

 The only good news here is that surviving family members are ultimately not responsible for such charges (or for legitimate debts of the dead if their names are not on the accounts).


Learn what you can do to combat these scams in Part 2

7/4/24

widowhood way back when: revolutionary war pensions




With the Fourth of July here, we thought this information from Wikipedia was relevant:

The last surviving veteran of any particular war, upon his or her death, marks the end of a historic era. Exactly who is the last surviving veteran is often an issue of contention, especially with records from long-ago wars. The "last man standing" was often very young at the time of enlistment and in many cases had lied about his age to gain entry into the service, which confuses matters further.

There are several candidates for the claim of the last surviving veteran of the American Revolutionary War:

Lemuel Cook (1759–1866)

Samuel Downing (1764–1867)

John Gray (1764–1868)

Daniel F. Bakeman (1759–1869)

The last surviving veteran may have been Daniel F. Bakeman, who was placed on the pension rolls by an act of U.S. Congress and is listed as the last survivor of the military conflict by the United States Department of Veterans' Affairs.

According to a 1918 report in 1869 there were 887 widows of Revolutionary war Veterans on the pension list. On November 11, 1906 the last Revolutionary War widow Esther Sumner Damon of Plymouth, Vermont, died at age 96; reportedly, a few surviving daughters of American Revolutionary War Veterans were later pensioned by Special Acts of Congress.


Hope you have a Happy Fourth!

7/1/24

you and your adult child: emotional guidance


Have your adult children begun to look to you for some of the emotional support or guidance that your late spouse/partner used to provide?

It’s understandable to feel uncomfortable in a new role with your family. You may feel some resentment that you are the sole parent taking on all the responsibilities.

Try thinking back to what your partner used to say in similar circumstances. After years with him or her, you can probably imagine what would be said. Let this guide you and trust your own judgment as a parent.

Rather than providing a “solution” to your child’s concerns, he or she may just need the reassurance that one parent is still around for support.

6/27/24

what widowers experience: part 3





The article by Dr. Michael S. Caserta continues.

Mental health issues.

According to Dr. Caserta,“Bereavement… is more depressing for many widowers because they, quite simply, have more to lose than widows. This is based on the assumption that a man's spouse is often his primary source of social support.

Consequently, although a widower may have been more apt to express his thoughts and feelings to his wife when she was alive, he may be equally unlikely to be so open to others. Widows more frequently use alternative sources of support that can protect them more effectively from potentially adverse effects of the loss and other stressors.”

The author goes on to say, “Many, however, are not drawn to what they believe to be counseling interventions because they often perceive them as services designed primarily for women. Widowers are typically uncomfortable with environments where the open expression of emotion is encouraged because it is not consistent with their preferred way to grieve.

Instead, researchers and practitioners suggest that bereaved men are more suited to active coping mechanisms that may include being engaged in meaningful activities. Programs that primarily feature such activities could have more appeal to widowers. Group walks and outings, for example, can be just as beneficial as traditional support groups because men who participate are able to interact and support one another in these situations and can do so more comfortably. Because the focus is on activity, however, as opposed to support or counseling itself, it is more consistent with many widowers' coping styles and is consequently less threatening. Because widowers use strategies that tend to be more cognitive than emotional in nature, they do well with books and other educational resources that help them help themselves.

Because of the unique problems widowers have assuming new responsibilities, they can benefit from programs that focus on skill-building and self-care education to help them successfully manage those tasks of daily living important to health, functioning, and independence. Issues of greater concern for widowers might include meal planning and preparation, housekeeping, and doing laundry. These programs can focus as well on more general health promotion topics like stress management, health screenings, immunizations, medication management, and physical activity, to name a few, that are equally relevant to widows and widowers but often go ignored or neglected by them given their new situation.”

Read part 1 and part 2.