After Life

(Note: This is the last one of these I’m going to write for a while. Not because they’re particularly depressing for me, but they can be a bit of a downer for others. Still, I’ve had a couple of people ask about “what happens next”, so without further ado, here’s what happens next.)

(Also note: this isn’t about the spiritual afterlife — the one that happens to your spirit when it leaves the body, if that is your belief. This is about what happens to others who are still in this life, when that happens, in a practical tactics sort of way.)

I once had a break of a whole week between two jobs — a real break, I had left company A and was moving to company B. In preparation for that I started a checklist of all the things I was going to do during that week — various house stuff, crafting projects, probably catching up on filing, reorganizing the pantry — and it grew. The checklist started about four weeks before the break, and about one week before the break, it was complete.

I had done all the things on the checklist.

It has taken me years to allow things to sit on a list for their appointed time, because my instinct is to do the thing if it can be done. This has historically resulted in manic cleaning fits, late-night papers, insomniac email, and associated unhealthy behaviors; I’m working on it. Still, I typically craft my resolutions for the New Year around Thanksgiving and start addressing them around mid-December.

I’ve had a will, and the standard, boilerplate living will/healthcare directive since I had my son. I felt like I had done all that needed to be done, things were addressed, and so if something were to happen to me, the “work” left to my estate would be trivial. My mom also had a will, a healthcare directive and healthcare power of attorney (that specifically named me). It took seven months from the time of her passing to the last bit of paperwork/administrative work to be complete.

(NOTE: I AM NOT A LEGAL PROFESSIONAL AND YOU SHOULD TOTALLY GO TALK TO ONE). In the interest of preventing others from going through this same hassle (inasmuch as it can be avoided), I’m going to share some specific experiences and some guidance for you as you think about your own paperwork or guide a family member through theirs.

When my mom got put on hospice, the hospice team suggested reaching out to make pre-arrangements with a funeral home. We did do that, a local place that was hugely sympathetic and understanding (I had to do it virtually thanks to the viral outbreak), and walked me through the process. They had a lot of questions that were not answered in mom’s documents: did she want an obituary? Did she want a full or partial viewing? What kind of container did she want her remains in? Did she want them interred in a cemetery or to come home? And so forth. Learning: go talk to the local funeral home/investigate their site and look at their intake forms. It will give you an idea of the questions you should either have answered in your will or separate letter to whomever you want taking care of that.

When it happened, the home walked us through the initial administrative process, and we notified mom’s lawyer that she had passed. Both the home and the lawyer walked us through next steps, which included such things as “let us know” (the home) “how many death certificates you need”, and “get me a death certificate and the most recent bank and title statements of the joint properties listed in the community property agreement” (a thing my parents had in addition to their will, that was supposed to streamline the process and avoid a lengthy probate). Learning: each financial or legal institution you will deal with will want a *certified* death certificate. So each life insurance, bank, etc. Start with five if you can, or if things are super-tight, start with the one and then ask each office to send it back. (In Washington State, death certificates are about $20 each, and your funeral home can get them for you as part of their service).

About a month or so in to going through mom’s papers, we discovered not one but two ancient life insurance policies – one opened up as a “savings account” for her by her father when she was born (the kind you pay each year and then cash out at 21, except she didn’t) and one she opened when she was still married to my dad, her first husband.

The savings account one wanted not only a death certificate but receipts from the process, and when they made a copy error (I am not making this up) and copied the receipts over the death certificate they held up progress for FOUR MONTHS while they sent me form letters saying they hadn’t heard from me. (I’d call and they’d tell me the form letter wasn’t as specific as it could be and that they wanted a new death certificate. When I pointed out they already had one and that their copy error shouldn’t be my problem, they agreed and said they’d handle it. The next month I’d get another form letter saying they hadn’t heard from me. Repeat.) Learning: the Insurance companies aren’t just going to let you file a claim and receive the paperwork and have it be all fine, be prepared to spend some phone time and (in my case) know who the OIC (Office of the Insurance Commissioner) is in your state, the state the life insurance contract was opened in, and the state the insurance company operates in. (In my case, I ended up opening a complaint in California, Pennsylvania, and with the BBB).

For the one opened in her first marriage, the insurance company did NOT care that there was a will, that my mom had divorced my dad, and that my mom had remarried. The beneficiary in this policy was my dad, and so to my dad the payment would go. (Dad mailed the payment to my StepDad because my dads are cool). Learning: Check your beneficiaries, especially if you have had a life change. Those can override any sentiments in your will.

Additionally, with Life Insurance, the appreciation you get on it (e.g., if the policy matured N years ago and therefore has been collecting X interest since then) is taxable. Learning: Talk to an accountant/estate planner about how that works and/or talk to yours if you are on the receiving end about the tax implications so you’re ready. (Also, not every insurance company withholds anything from this payment. I have a letter from the “savings” insurance company saying they did. The actual check stub and accounting does not show this. I’m not saying that insurance company sucks, but I won’t be voluntarily doing business with an insurance company whose name rhymes with Detrimental).

(Incidentally, the local banks and mortgage company, the department of licensing and the social security office all went easy as pie.)

Dollars and cents aside, there’s then the physical artifacts: what do you want to become of your stuff? I’m not talking about the stuff you name-check in your will — the family opal ring or the signed print or such — I’m talking about your *stuff*. Your clothes, shoes, etc. mainly. In my mom’s case, she had a lot of nice, barely worn things from a stretch of cruising. The nice things got donated to a local women’s shelter, as did unopened extras of toiletries and such. There were also some not-nice things, and those went into the trash. (I don’t think my mom ever considered it but I think she would have agreed with a women’s shelter and would’ve disagreed on the “not nice” label). Learning: if you have a preference, spell out where you want your stuff to go. If you don’t, spell out that it’s up to the person executing the estate.

It probably comes as no surprise that I processed this grief the way I process most everything — there was an Excel spreadsheet, a detailed One Note; there was lots of productive activity, there was lots of avoidance of the icky, emotional deluge (which didn’t turn out to be much because, as I sorted out with my therapist, I’d been grieving since she got admitted to the hospital)– but I hope that the learnings from this will help you and/or yours in how you approach your preparations, perhaps as a New Years’ resolution.

Moral Support & Technical Leadership

I was fortunate enough to grow up with four parents — while most divorce stories in the late-70’s/early-80’s were full of the (very real, very ugly) drama of how divorce could be, for me, I netted a couple of extra parents and double presents on holidays and my birthday. Sure, when I screwed up I had twice as many people on my case, and they got along (at least in my youth) so it meant grounding at house A was continued at house B, but for the most part this was a good deal for me.

My step-mom (heretofore to also be referred to as mom, because she is; this is not the same mom that recently passed) did a lot of the raising (period) but especially at my dad’s house. My dad, who is awesome, was a Corporate Dad and had to travel a lot and stay late at the office and is probably the reason why I don’t really let work go (and why it’s important to me that work be good enough to not let go of). He would joke sometimes about providing moral support and technical leadership when it came to parenting, but to be honest he did exactly that and it was, for me, exactly what I needed. Sure, it took until I was about 27 to “grow up” but hey, better late than never.

I myself became a parent at 29 (very much planned, very much awesome) and then became a single parent at 32 (very much not planned, very much not awesome — at the time). As such, there I was, at 32, with a Real Big Person Corporate Job of my Own and an *almost* three year old, a mortgage, and a dog.

The three year old, who is now nearly 18, was a handful. In his early teens he was loathe to hear about his exploits but now we can all look back on them and smile; let’s just say my kid was *that* kid and the principal at his elementary school and I were on a first-name basis. I became intimately aware of how school administration functioned and how things got documented. Someday I’ll write up all about that — when I’m not on the PTA or affiliated with the district anymore. This is all to say that I got a call from the school, on some thing or other, at least every other day until he was five, at least twice a week until he was seven, and about once a week to two weeks until he was 9. He was a fireball of energy and had a low BS tolerance (as remains so), is intelligent and a big fan of the minimum effort for maximum return (which, as we all know, can get radically problematic if the initial effort is misjudged). Imagine having this parenting challenge while trying to work.

I owe *a lot* to two managers I had during this period, both of them men, for the trust and flexibility they extended to me. The work got done, absolutely, but I had the benefit of managers who understood if I had to leave *right now* because I just got a call, or if I needed to work from home here or there (before it was common or, as now, required). I was able to keep my job, and my *career*, because these folks understood that I would get the work done somehow (even if it was in the middle of the night while the kiddo slept) but just not right here or right now.

The fact of the matter is that while the calls came and when I’d have to go and get the boy from school, for the most part he was *in* school and so, as a single mom, I had the benefit of that “childcare” (the primary function of school is not child care — but I had the benefit of knowing my kid was in a safe place while I worked, and that safe place happened to be school). That plus this flexibility on the part of my management meant I was able to continue my career and find myself (as I have been these last few years) in what I would call a really good place.

Slightly over two million women in the United States have had to leave the workforce since COVID slammed onto these shores. Just under one million of those left in *September alone*. It’s not that these women didn’t also have super cool understanding bosses, it’s that trying to work from home and moderate your kids’ online learning — something *I never had to do* — is pretty much impossible. You can’t pay attention in the team meeting or edit your queries or write your spec if you are also on deck to make sure the kid isn’t also playing CoolMathGames on his computer (true story, my kid did this *in school* when he was in elementary school — and if you’re a parent of a kid between 5 and 15, chances are yours did too) and that she’s listening to the teacher and that they are using all the tools correctly and hey how’s that bandwidth going for you? The reality that in a dual-income household it’s typically the mom who takes on the rearing duties — either because of economics (dad makes more) or social placement (that’s the way it is in some families), women are facing a choice and the choice isn’t pretty.

For those whose initial response is “who cares, people have to do what is important for them, this doesn’t impact me because I’m not a woman/not a mom”, we should all care. We should all care, because:

  1. We (in the US) are likely to see a $1 trillion loss in GDP by 2030 because of this brain drain — for those fretting on the money we’re “spending” on battling the economic effects of COVID, understand this is money we’re “losing”, despite existing expenditures.
  2. Workplace diversity will reduce, which in turn has negative effects on productivity, financial targets, and employee engagement.
  3. Female-dominated industries, such as education, healthcare, services, and hospitality, impact not just women — a reduction in healthcare professionals for example means your elderly grandpa’s assisted living facility may have trouble hanging on to CNA’s (or nurses or doctors).
  4. This disproportionately impacts black women and further hinders racial equality and justice which further impacts everyone.

Those are just the dollars-and-cents/what’s-in-it-for-me reasons, ignoring those that center around “let’s not be assholes” and “life has enough drama already, let’s not add on to that”.

There’s two things we need here, then: firstly (and most obviously) we need a coherent pandemic response strategy that is comprehensive (addressing both the fiscal impacts of the pandemic but also the structural impacts), *and* we need better support structures and systems for working parents. Paid parental leave (as most countries have — this is not just a socialist country thing), federal support for child care costs (for those who ask “who pays for it?” — the answer is we already are *losing* that money (and possibly more) by the workforce drain) are two good first starts. (Childcare.gov already exists to help in this area, it just needs to be better-funded and expanded).

With the elections “over” (I put that in scarequotes because elections are a constant thing — your state will have more elections next year on all kinds of local issues, so don’t fall into the trap of thinking elections on even years are the only ones that matter ) the temptation is to say “well the incoming administration will just take care of it”. I mean sure, yes, let’s be optimistic but let’s also put some realism in our optimism. Here’s how one can be informed and move things along:

  1. Check out how your state uses the CARES act funding for child care. (You can see how much they got and how it is distributed). (You can get a review of the CARES act funding, en-toto, here (handy pdf on the site)).
  2. Check out how your state is approaching child care funding and distribution outside of the CARES act (Washington state example here)
  3. Write to your STATE and FEDERAL legislators.
    1. ALL POLITICS ARE LOCAL. I cannot emphasize this enough. Your state legislature is more agile than the federal one.
    2. You can find your state government websites here, which you can then look up your state legislators on. For Washington State, it’s here: House Senate
    3. You can find your federal legislators here: House Senate
    4. You can find a great guide on how to write to these folks here.
    5. You can ask your federal legislators what they are doing in addition to funding efforts such as this.
    6. You can ask your federal and state legislators what you can do as a citizen to help (guess what? You can start a dialogue with these folks. After all, they work for you, not the other way around).
  4. See what your workplace is doing. I am super-fortunate to work for a big company that is doing many productive things in this area, but engagement and reinforcement socially in the workplace is important.
  5. In preparation for the next election, pay attention to the stances (and voting records) of the people you are voting for. Don’t vote straight ticket.
    1. You read that right. Voting for a person simply because they are the party you tend to affinitize to does YOU a disservice. When you do that, you are making the assumption because their well-shared opinion on Topic X matches yours, that their not-so-well-shared-opinion on Topic Y matches yours. It may not.
    2. You can check out your federal legislator’s voting history here: House Senate. You may find it illuminating.

You may not be a mom, or a woman, or a parent; but we are all capable of moral support and technical leadership.

Stolen Identity and Next Steps

Well, it’s finally happened. Some enterprising twat has used my identity to do something naughty and it’s causing no small amount of consternation.

Like many in Washington, my information was used to file a false unemployment claim.  Some pseudo-human got hold of my social security number and my email, went to the ESD, and said they were me and that I was unemployed and “I can haz money now?”  I heard about this from my employer, who wanted to know if I really had filed for unemployment, while still employed.

  • Of course I couldn’t concentrate on anything after reading that email.
  • Of course I went and put a credit freeze with all three bureaus.
  • Of course I changed all my passwords.
  • Of course I filed this as a fraudulent claim with the ESD.

There’s a couple more things I didn’t realize I should do (that I have since done):

  • I have filed a police report (this can be done online!).
  • I’ve documented it with the FTC.

Going through all of this is a hassle of course, and on top of other things right now it’s quite unwelcome. Here’s the thing: I have resources, and time, and a really great employer who identified it and let me know it was happening, along with specific guidance on what to do next.  Given the size of this fraud (there’s thousands of fraudulent claims for state of WA right now) there are literally thousands of people dealing with this, and not all have time to deal with it or guidance to deal with it. So, if you or someone you know has discovered some sort of identity fraud, here’s some links and things to do:

  1. Put a credit freeze (free to do, and can be done online) on your credit with Equifax(yes, that Equifax), Experian, and TransUnion.
  2. File a fraudulent claim with the entity that was defrauded (in my case, it was the Washington state employment office– and it was filed online)
  3. File a police report (also online, non-emergency).
  4. Document it (online!) with the FTC.
  5. Call (or email, or go online) your banks and let them know, so they can guard on their end.
  6. Change all your passwords and/or your password algorithm.

Will this make you bulletproof to future fraud? No — shit can still happen. (Murphy’s Law is a law for a reason). No sense in making it easier for the assholes that do this.