Week One: Immediate Financial Steps
- Obtain multiple copies of the death certificate — you will need them for every financial institution (5–10 copies)
- Do not touch any bank accounts yet — understand what you're dealing with first
- Note all bank accounts, insurance policies, investment accounts you know about
- Contact his employer — they will process final salary, provident fund, EOBI, and any group life insurance
- Cancel recurring bills you no longer need (gym memberships, subscriptions, etc.)
Month One: Documentation
- Update your CNIC at NADRA with death certificate
- File insurance claims (life insurance, accidental death coverage)
- Contact banks to understand joint vs sole accounts
- Consult a family law lawyer about property and estate
- Begin the inheritance distribution process with family — ideally with a lawyer present
Do NOT sign any property documents, waiver of inheritance, or family settlement agreements under pressure or without independent legal advice. What you sign in grief may not be what you would sign with clarity.
Longer-Term Financial Rebuilding
- Budget: Understand your income vs expenses on your own for the first time
- Emergency fund: 3–6 months of expenses in accessible savings
- Career: If you were financially dependent, skills development or career re-entry may be necessary
- Children's education: If he had education funds, understand their status and accessibility
Resources for Pakistani Women
- Aurat Foundation — women's legal and financial rights: 051-2890505
- EOBI for pension claims: eobi.gov.pk
- Any nationalised bank has a specific process for accounts of deceased persons
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