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.

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

dad's worrisome reactions; part 2

This post for adult children is a continuation of excerpts from our book, Lost My Partner – What’ll I Do?


“It’s only been a few months since Mom died and Dad is already talking about dating and going on singles’ cruises. He and Mom had a long, happy marriage, so I can’t understand why Dad is acting so disloyal to her memory. At his age, there’s a lot of single and widowed women out there hunting for a husband. I’m afraid Dad will do something rash.”

Often those who were happily married feel the loss of companionship and emotional security most acutely. Men, in particular, tend to jump into new relationships before they have allowed themselves to fully experience the painful but necessary mourning process.

Gently point out that while you understand how difficult and lonely it must be for him/her without their spouse, acting impulsively will backfire. Ask your parent to consider whether he/she really wants to sabotage a new relationship because of not having taken the necessary time to grieve the old one.

With any behavior that seems impulsive and/or potentially risky, try this approach:

“I realize a new (relationship, move, risky financial investment, etc.) feels exciting right now but I’m concerned about what will happen down the road. Let’s slow down, put our heads together and see if we can’t come up with some other ways to get you through this difficult time.”


REMEMBER: However your parent may react to the loss of their spouse, you also need to pay attention to your own needs. Try to take some time off from normal responsibilities to give yourself the time and space you need to grieve. Draw on the support of others and delegate caretaking for your mom or dad.

dad’s worrisome reactions: part 1

(Excerpted from our book, Lost My Partner – What’ll I Do? Revised and Expanded Edition).

“My mother passed away just three months ago and my dad has already gotten rid of all her possessions and is planning to sell the house they lived in for almost 30 years. He says all the reminders are too painful and he wants to move to another city.”

Many people hurry to dispose of possessions and other reminders that stir up the pain of loss.

Like other forms of emotional pain, you can run but you can’t hide.

Gently point out to your parent that while you understand his/her actions make him/her feel better in the short run, he/she will still have to face them eventually. The more your parent tries to avoid the pain, the more likely it will strike at unexpected times.

More in Part 2.

widowhood way back when: widowed tv dads

If you’re a baby boomer or beyond, this post by Guy Belleranti from www.loti.com (Rewind the Fifties) should bring back memories.

If only being a widower with kids was as easy as it looked way back then.

Widowed Fathers in TV Programs of the 1950’s and 1960’s

There were a number of television programs in the 1950’s and 1960’s which revolved around a widowed father and his child or children. Several, but not all, were sitcoms.

One of the most famous has to be The Andy Griffith Show (1960-1968). Andy Taylor (Griffith) is the sheriff of the small town of Mayberry, North Carolina. He has the added responsibility of raising his son Opie (Ron “Ronny” Howard). Andy gets help in the matter from Aunt Bee (Frances Bavier). There were many wonderful aspects to this classic series, but one of the best had to be those moments of father-son discussions.

My Three Sons, starring actor Fred MacMurray, was another sitcom where a father had mother-less sons. In this case, the father, Steve Douglas (MacMurray) had not one son, but three. Mike (Tim Considine) was the eldest, Robbie (Don Grady) the middle and Chip (Stanley Livingston) the youngest. From 1960 to 1965 Steve had help from Bub O’Casey (William Frawley). After that, until the program’s end in 1972, he had help from Uncle Charley (William Demerest). When Tim Considine left the show, his eldest son Mike character was written out. However, the Douglas family gained a third son by having Chip’s former best friend, Ernie (Barry Livingston, Stanley Livingston’s real life brother), lose his parents and then become adopted into the family.

Danny Thomas’ Danny Williams character became a widower in 1956 on Make Room for Daddy when Jean Hagen (his series’ wife, Margaret, since the program’s start in 1953) left the program. For the 1956 season Danny had to raise his son Rusty (Rusty (Hamer) and daughter Terry (Sherry Jackson) solo. He did have a housekeeper, Louise, however, to help out when needed.
Then in 1957, the program’s title changed to The Danny Thomas Show and Danny had a new TV wife, Kathy (Marjorie Lord). He also had a new daughter, Kathy’s daughter Linda (Angela Cartwright), as well.

The sitcom The Courtship of Eddie’s Father in 1969 featured Bill Bixby as Tom Corbett, widowed father of a son, Eddie (Brandon Cruz). Like the title implies, Eddie was forever trying to get his father remarried.

The family drama Flipper also featured a widowed father. Brian Kelly played Porter Ricks, a Park Ranger in South Florida. Ricks had two sons: Sandy (Luke Halpin) and Bud (Tommy Norden). He also had help from a dolphin named Flipper.

Finally, there were a couple famous television westerns where fathers were single parents. One was The Rifleman. Chuck Connors played Lucas McCain, a New Mexico rancher. His son Mark (Johnny Crawford) featured heavily in most episodes. Lucas taught Mark both by the “Good Book” and by example.

Bonanza featured widowed rancher Ben Cartwright (Lorne Greene) and his three sons. Ben apparently had lots of bad luck in marriage, with three wives dying. However, each wife did leave him a son. The sons that we, the viewer, see on Bonanza are all grown men. Adam (Pernell Roberts) is the eldest, Hoss (Dan Blocker) is in the middle and Little Joe (Michael Landon) is the youngest.

Interestingly, a glance back at all of these programs reveals that only one featured a widowed father with a daughter. And this program, Make Room for Daddy, only had the father a widower for one year.

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.

Read original article.

what widowers experience; part 2

The article by Dr. Micheal S. Caserta continues:

Emotional response

Similar to widows, bereaved husbands experience an array of emotions, such as anger, shock (especially if the death is unexpected), numbness, denial, and profound sadness. Unlike widows, however, grieving men tend to control their emotions (with the possible exception of anger), for instance, by holding back and crying less openly.

Widowers, more often than not, will channel their energy into active coping and problem-solving strategies like work, physical activity, or addressing disruptions in the household. At other times they may prefer to be alone with their thoughts, whether thinking about the circumstances surrounding their wife's death or reflecting on ways to cope with their new situation.

Widowers who experience the same emotions as widows but were raised with the belief that emotional control is a sign of strength often find themselves confronting an inner conflict about how to respond to a loss. The situation may instinctively call for a response that is emotional but the widower may not be socialized to express himself in that way. Adding to this confusion on the part of the widower is an assumption that there is only one way to grieve.

Men usually express their feelings of grief in solitary ways, but this should not be construed as being any less intense than a widow's grief. At the same time, to a varying degree, some widowers express their emotions more openly than others, suggesting that while some responses may be more typical, any one widower's experience can be somewhat unique as well.

Read more in Part 3.

Read complete article.

what widowers experience: part 1

This week’s posts are excerpted from an excellent article by Michael S. Caserta, Ph.D. posted on http://www.deathreference.com/.

What Widowers Experience

While women who lose their husbands often speak of feeling abandoned or deserted, widowers tend to express the loss as one of "dismemberment," as if they had lost something that kept them organized and whole.

The Harvard Bereavement Study, a landmark investigation of spousal loss that took place in the Boston area during the late 1960s, reported that widowers often equated the death of their wives with the loss of their primary source of protection, support, and comfort. This went to the very core of their overall sense of well-being. It has been described as "being lost without a compass," usually due to their profound loneliness but also because widowers often depended on their wives for many things like managing the household, caring for their children, and being their only true confidant.

This sense of being lost is more profound when widowers need help but have difficulty obtaining or even asking for it. They also can experience ambiguity about the emotions they are feeling and the uncertainty of how to express them.

Learn more in Part 2.

Read entire article.

reflections by sandra pesmen: moving to the middle of the bed

Sleeping in the bed you shared with your late partner can be a very difficult step. In this post from opentohope.com, journalist Sandra Pesmen, shares her personal struggle.

Moving to the Middle of the Bed
Last night, I slept in the middle of our king-size bed. It took me two years to do that. For 55 years, I shared that bed with my husband.

He never walked on water. Sometimes we broke that cardinal rule and went to sleep angry. But far more often, we embraced that bed, and each other, with tremendous joy, grateful we found mates that showed love, kindness, consideration, and selflessness on an almost daily basis. How unusual is that?

So often people reach out their hand when they hear I’m a widow and say, “I’m so sorry for your loss.” “Thank you,” I answer, “but I only had two years of loss. I had 55 years of gain.”

I know that not everyone has my resiliency. I lead The Widows List.com Web site (http://www.widowslist.com/) as well as several widows clubs at local senior centers, and I give motivational talks to help people learn to “Strive and thrive alone.”

Too often, these people are so grief stricken they find it hard to concentrate on anything except their sorrow. Their sadness has become the focus of their lives, and everything and everyone else is on the periphery.

I try and help them understand that life is not a dress rehearsal. We don’t get to have a “do-over.”

Whatever time we do have left is meant to be spent enjoying, loving, helping and caring for ourselves as well as others.

No one can hurry your grief or mine. No one can tell anyone else when it’s time to pick up living and begin placing those loved ones who died into a beloved memory space. All day every day, I think about my husband, silently telling him funny incidents, and asking myself what he would decide when a problem arises. His photos are on his desk in the den, on our dresser in the bedroom, and in the living room. When I talk to our grown children and grandchildren, one of them usually says, “Oh, that’s just what Dad (or Papa) wouid say.”

He is with me always and last night, after two years spent sleeping on my side of the bed, my husband’s memory finally joined me in the middle.

(Sandra Pesmen, host of www.widowslist.com, also writes the weekly DR.JOB column syndicated by Career News Service.)