Financial Coaching for Kingdom Men

When you are walking through the "grief fog," the last thing you want to do is navigate a government website. Yet, for many widows and widowers, Social Security Survivor Benefits are a critical piece of the "Four Walls" of your new financial reality. In my coaching, I always tell clients: A budget is simply a plan for your mission. But to make that plan, you first need to understand the resources God has provided for your journey. The Basics: What Are Survivor Benefits? Think of Social Security not just as a retirement fund, but as a life insurance policy provided by your spouse’s years of hard work and taxes. These benefits provide monthly payments to help support the family left behind. According to the Social Security Administration (SSA) , here is who is typically eligible to receive these benefits: Widows/Widowers: You can receive full benefits at your full retirement age, or reduced benefits as early as age 60 (or age 50 if you have a disability). Caring for ...

In the wake of losing a spouse or family member, your world feels like it’s spinning. Y our natural instinct is to take charge, or shut down and the sheer volume of "what-ifs" can lead to decision fatigue. The first rule of stewardship in grief is this: Focus on stabilization, not speculation. Before you decide what to do with the house or where to move, you must identify and secure the resources that provide your "Four Walls." This starts with a clear, calm review of insurance, bank accounts, and retirement funds. 1. Life Insurance: Securing the Safety Net Life insurance is the "provision" your spouse worked for to ensure you wouldn't have to make desperate choices during a crisis. Find the Policies: Check home filing systems, safe deposit boxes, and look through bank statements for premium payments. If you’re stuck, use the NAIC Life Insurance Policy Locator . Initiate the Claim: You don't need a lawyer to do this. Call the claims department, ...