How to Prepare for Death of Spouse

If your spouse is dying, you may go through a variety of strong emotions, all of which are natural. Preparing for death is a difficult process, both emotionally and physically, but there are several ways to make the most of your time together, as well as plan for what lies ahead. As a spouse, you will likely play different roles in this process as a decision-maker, emotional support system, and caregiver.

Part 1 - Providing Comfort to Your Spouse

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→ Seek guidance from healthcare professionals about end-of-life care. In facing the death of a spouse or loved one, you may feel overwhelmed about what to do in caring for your spouse. If your spouse has been diagnosed with a terminal illness, and no further treatments are being done, talk with your doctor or healthcare providers about options through hospice and palliative care. Often the hospital's social work department is most helpful in this situation.

→ Consider contacting hospice agencies directly about what they may offer. Hospice is a Medicare benefit that will generally pay 100% of medical expenses related to your spouse's primary diagnosis. Hospice benefits are often offered through private insurance too.

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→ Be present and provide reassurance. During the final weeks, your spouse may seek to make amends, and want to feel that it is "okay to go." Provide a loving hand, and a soothing voice, to your spouse. Let them know that that they have permission to go, as it may provide them a sense of peace and comfort. Consider doing the following in the final weeks and days:

→ First, ask the person what they need to be comfortable. They may want items from home, etc. They may want more jolly music or to look through old photos, etc. Respect what they do or do not want to do — if you think they might like something, and they say no, then respect their wishes and don't force it on them.

→ Create a peaceful atmosphere with soft lighting and soothing music. Reduce noise where possible.

→ Read a poem, book, or spiritual passage to your loved one.

→ If appropriate, engage in prayer for your loved one in this time of need.

→ Allow them to reminisce and reflect on their life .

→ Gently massage a hand or foot, or simply hold hands.

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→ Find ways to say goodbye. Saying goodbye to a loved one is heart-breaking, but can be a great comfort for the loved one who is dying. While you may have many feelings of sadness, fear, or loneliness, avoid burdening your loved one with these feelings in their final moments. Allow family and friends to be share their good-byes, and give them an opportunity to visit or say a few words.

→ Often the ability to hear is the last of the five senses to go, so while your loved one may seem unaware, they may be listening.

→ Check in with your spouse regularly to see if they need some quiet time.

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→ Recognize the signs and symptoms when death is near. Your healthcare providers may help provide education about signs and symptoms for a person's end-of-life care, depending on the diagnosis. In general, a person who is at end-of-life will often sleep more, eat and drink less, become more withdrawn, and communicate less during the final one to three months before death. In the final weeks, the loved one will likely become bed-bound and may experience the following:

→ Continued loss of appetite and thirst, with difficulty in swallowing

→ Increased pain, that can be treated, and fatigue

→ Changes in blood pressure, heart rate, and breathing

→ Congested breathing due to secretions that build up in the throat, which sound like gurgling

→ Changes in body temperature and skin

→ Possible disorientation or hallucinations such as talking to people who aren't there

→ Slowing of urine and bowel output

→ Changes in sleeping patterns

Part 2 - Planning for End-of-Life Wishes

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→ Engage in a family discussion about your spouse's end-of-life wishes. By having an open and honest conversation early, this may reduce stress in the long run. In terms of medical care and treatment, work with your spouse and family on completing an advanced directive and medical treatment preferences regarding their care. Often you want to have this conversation, then break for a while to let everyone process and think about it. This helps you and your family not be ruled by your emotions when making decisions. Reconnect later to hash out the official decisions. These can include the following:

→ Appointing a "health care agent" or Medical Power of Attorney. You are the default decision-maker regarding your spouse's care, unless another family member is appointed via the advance directive; or if you are unable to mentally or physically assist with decisions.

→ Determining medical treatment preferences, such as Do Not Resuscitate (DNR) Status if no heart rate, or unable to breathe independently.

→ Deciding if you wish to donate your organs or body for medical purposes.

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→ Make a living will and get your finances in order. Talk with a lawyer about estate planning, and how to address any financial assets that may change ownership if your spouse passes. Obtain current information about your spouse's financial holdings, debts, and assets, in order to avoid headaches and surprises after your loved one passes.

→ If seeking legal advice is too costly, look into lower cost options through your state's legal aid program, or if you or your spouse are over 60, there may be a senior legal aid hotline through your state.

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→ Discuss funeral preferences and ways to memorialize. Depending on your family's spiritual background, there may be specific wishes, such as burial versus cremation. There may also be preferences about location of the burial, or where to scatter the ashes.

→ By understanding your loved one's specific wishes, you can honor their choices. You or other family members may have differences of opinion about how to memorialize a loved one, but the best way is to respect those choices made by your spouse.

→ Consider calling various funeral homes, before your loved one is near death, in order to understand the varying costs and options available. By understanding your budget for funeral expenses, you can be better prepared when the time comes, and not face additional financial burdens.

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→ Keep a list of your spouse's personal contacts and financial information. In our modern age, your spouse may have many online accounts for email, banking, retirement, insurance, and bill paying. Collect the passwords and account details of all these accounts that need to be monitored, paid, and closed. As the spouse, you will likely become the primary person responsible for handling the bills, and closing accounts, in your loved one's name.

→ Consider making a "Lifebox" folder with all the various details of the spouse's medical, financial, and personal contacts. In an emergency, it will be easier to reference this folder, than to rummage through files, or piles of paper.

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→ Honor your spouse's memory and legacy. Discuss with your spouse and family if there are ways to honor your spouse after he or she has passed. Depending on what your spouse loved most, these actions could be big or small:

→ Plant a tree

→ Dedicate something in your spouse's name

→ Give or donate personal possessions, or your time, to the community

→ Create a scrapbook of happy memories

→ Set up a charitable fund in your spouse's name

Part 3 - Finding Support for Yourself

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→ Reduce caregiver burnout. If your spouse has a terminal illness, you may be overwhelmed by the level of care needed. Reach out to healthcare professionals such as doctors, nurses, and social workers to identify ways to reduce your physical and emotional stressors. Respite options may be available through in-home care, or care at a facility.

→ Ask friends or family to sit with your loved one, so that you can run errands, or have a short break.

→ You appetite may be down, but try to eat something a few times per day. Also, nap when you feel like you could sleep, even if that's not during the night.

→ Find other ways for family to be useful in helping with your spouse's care. If someone offers to help, say yes. Most of the time our instinct is to say thank you, I'm fine. Then later we regret it when we are overwhelmed with things to do. Challenge yourself to find something they can do to lighten your load. Saying yes along the way can keep things from snowballing out of control.

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→ Give yourself permission to feel your emotions. Be open with people who you trust about your feelings. It is natural to be sad, upset, anxious, afraid, and lonely when your spouse is near death or has passed away. This is one of the most difficult transitions you may ever experience. Here are some ways to get help:

→ Talk one-on-one with trusted family and friends about what you're feeling.

→ If appropriate, talk with a chaplain or other religious support system about your feelings of loss.

→ Engage in activities that help you cope effectively and positively with your emotions. Avoid alcohol and other substances as a means to cope.

→ Join a grief and loss support group, and share with those who have had similar experiences.

→ Talk one-on-one with a grief counselor.

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→ Recognize that there may be both emotional and financial challenges after a spouse has passed. If your spouse was the primary breadwinner, you may face financial turmoil about how to manage bills, or possibly taking on the care of children or family members without your spouse's support. This can be a shock. It is important to discuss with friends and family about the options available, and if adjustments to living situations need to be made.

→ See if your spouse has life insurance to help with bills in the short term. You may even be able to withdraw your spouse's life insurance policy earlier without penalty, when a terminal illness has been diagnosed. Life insurance policies may also have a cash value component, but this may be less than if used upon death.

→ If you or your spouse are over retirement age, you may have access to spousal benefits via Social Security.

→ A reduction in income may change your standard of living, or you may need to find work. Put the word out that you need help finding employment. You will generally have an army of people looking for some way to help.