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Legal, pensions and money

Preparing for the worst

(12 Posts)
JackyB Fri 17-Feb-23 06:11:07

I have been meaning for some time to write out a list for my DH of who to contact and what to do if I should predecease him. I hope he will do the same for me, as many things are in his name, such as insurances, as, by virtue of his professional status, he had access to certain privileges.

It would be handwritten - definitely not stored on my computer - and in an envelope (sealed).

It would help him (or me) get out thoughts straight in a stressful situation.

Another consideration: should I give a copy to one of the DS in case we die together (plane crash, car accident)?

Perhaps others here on GN might like to take up this idea, too.

So now I'd like to brainstorm (sorry if anyone doesn't like that word) what would be on the list and what should be given priority. What should be included as well as the obvious?

1. Next of kin with phone numbers (these are, of course, programmed into the phone anyway)

2. Bank details with telephone number, account no.

3. Pensions, again with all account nos and contact details.

What would you prioritise after that? I remember my mother dealt with this really well. She also had a list of secondary priority and sat down a few days after DF had died with that and started phoning people like the hairdresser, the girl who used to come and cut his toenails (!). She was a secretary and organisation like that was second nature to her.

karmalady Fri 17-Feb-23 06:25:28

Keeping a financial file is good housekeeping. I turned to ours to inform after my husband died. Basically just a name and phone number was all I needed. I relied on word of mouth for relatives and friends.

I keep a file which my children could access when it is my time, I have told them all where I keep it, in a small suitcase. It needs to be updated from time to time.

Will and PoA are included in that file

BlueBelle Fri 17-Feb-23 07:21:49

Age concern do a free booklet you can send for and fill in with all the information that would’ve needed by a next of kin

NotAGran55 Fri 17-Feb-23 07:28:44

My dad bought an alphabetical concertina file from WHS and filed all his important papers in that for us to access when he was gone. Before the days of computers so no passwords etc needed for anything.

Witzend Fri 17-Feb-23 07:44:03

We’ve done similar for dds, in case we both died in a car/plane crash. I hadn’t thought of doing it for dh - he pretty much knows the ropes - but I dare say it’d be a good idea.

One thing I do mean to do, is just leave a letter for dds. My mother wrote one for us (to be opened once she was gone) before she succumbed to dementia. By the time she died at 97, having by then been ‘lost’ to us for several years, it was lovely to read it - it was like having our ‘real’ mother back again.

One thing I’ve made dh promise is that, if I go first and he gets together with someone else (which I wouldn’t mind) he is absolutely not to change his will and leave everything to her.

Of course he protests that he’d never dream of doing such a thing, but I do worry about early (undiagnosed) dementia, and some bitch gold-digger getting her claws into him - because I’ve known this to happen. 🤬

fancythat Fri 17-Feb-23 08:16:16

BlueBelle

Age concern do a free booklet you can send for and fill in with all the information that would’ve needed by a next of kin

Sounds useful.

Doesnt help in our household that I do about 1/4 of finances and DH does 3/4.
Neither of us is ever entirely clear what the other is doing.

glammanana Fri 17-Feb-23 08:28:34

DD & DS both know where all my details are kept containing all the people to contact including the funeral plan details passwords and bank details every thing is in there even down to my RAC membership

Pittcity Fri 17-Feb-23 08:51:24

All our details are in a book and on our phones. Trouble is that things keep changing and I forget to update paper copies.
A friend has added her thumbprint to her DHs phone and vice versa for easy access.
I do most of our admin so would be OK and children are fine with dealing with stuff online. DH would have to get their help to start with.

Pittcity Fri 17-Feb-23 08:52:08

I have left a note with my Gransnet password too!

henetha Fri 17-Feb-23 10:13:47

I've had a box file for years with all this information in it.
Come to think of it, I haven't looked at it for ages, so will do so very soon and update things. So thanks for the reminder
JackyB

chelseababy Fri 17-Feb-23 15:17:45

Link to Age UK Life Book

www.ageuk.org.uk/information-advice/money-legal/end-of-life-planning/lifebook/

Kim19 Fri 17-Feb-23 17:28:18

I have found this to be exceedingly helpful. Thank you JackyB and all contributors. 👍