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when a loved one dies: coping with grief
FAMILY & LIFE
The mission of The USAA Educational Foundation is to
help consumers make informed decisions by providing
information on financial management, safety concerns
and significant life events.
our mission
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The Individuality Of Loss ..................................................... 02
Understanding Grief: In Adults & Teens .............................. 04
Understanding Grief: In Children ......................................... 07
Special Loss: Family & Friends ........................................... 09
Sudden Loss ....................................................................... 12
Steps Forward ..................................................................... 15
table of contents
the individuality of loss
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Of the many trials you may confront in life, none
is perhaps more difficult and challenging than
being faced with a personal loss, whether that
of a spouse or partner, a family member or close
friend. How you deal with grief and move toward
recovery depends on many things that are truly
unique to your situation. You cannot, and should
not, measure your own depth of feelings or ability
to handle a complexity of issues by comparing
your reaction to anyone else’s.
Loss and grieving are usually specific to the
individual, even within the same family — try
to remember this when seeking appropriate
counsel or other resources, a number of which
are included in this guide for your consideration.
But please keep in mind that you should always
talk to a physician or trusted adviser if you need
any additional support or information, either now
or in the weeks and months ahead.
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understanding grief: in adults & teens
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Note: Complicated grief is NOT the same thing as feeling sad about a loss long after the fact, perhaps in conjunction with an event at which the person who has died is more keenly missed. This type of response is to be expected with normal grief that can resurface from time to time but doesn’t interfere with your ability to carry out daily activities. Symptoms of complicated grief may mimic that of major or severe depression, anxiety disorders and even post-traumatic stress syndrome — none of which should be ignored.
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The National Cancer Institute (NCI) at the National Institutes of Health (NIH) reports that there are generally three defined types of grief you may experience:
Anticipatory grief occurs when a death is expected but before it
actually happens. This may be the case when someone is terminally
ill, it might even be felt by the person who is sick. While anticipatory
grief is thought to be a means of coping with the eventuality of
death, you may reject the idea of grieving or attempting to accept
a loss while a loved one is still alive — anticipatory grief doesn’t
replace the type of “normal” or common grief experienced once
death has occurred. As with any kind of grief this is completely
unique to the individual who must deal with their own feelings and
response to an emotionally charged situation.
“Normal” or common grief is the period of moving toward accepting
a loss, even while going through daily activities and still being able
to function. You may experience any or all of the following emotions
or reactions as part of normal grieving:
•Shock, disbelief, denial, a sense of numbness
•Sadness, anxiety, distress
•Anger or guilt
•Loss of appetite, inability to sleep
or focus on tasks, fatigue
This is by no means an all-inclusive list — your grief is personal and
so are your emotions. Nor is there a set period of time to grieve
although typical bereavement can last anywhere from several weeks
or months up to a couple of years. Your emotions may rise and fall
during this time, with bursts of increased sadness or anger based
on your mood or health, certain events such as holidays, or other
external factors.
Complicated grief manifests in ways that are distinct from normal
grief, with either minimal signs of emotion or response following
a loss or chronic, long-lasting sadness that doesn’t diminish over
time. Studies have looked at this type of grief and how it can
beinfluencedbypersonalityofthebereaved,gender,ageand
strength of a support system that includes friends, family and
other members of a community who can provide counsel and
evenfinancialhelp.
Bereavement is the period of sadness upon
losing a loved one while grief is the emotional
response to this loss — and being an adult
doesn’t negate your need to acknowledge
a loss and react to it in your own way.
Remember that your response to a death may
be completely different from that of another
familymemberorfriend,andinfluencedby
beliefs, spiritual practices or even cultural
customs. The act of mourning, or how you
choose to mark the loss of a loved one through
visitations, a memorial service or funeral, is as
equally personal as grieving and just as distinct
from one person to another.
Give yourself permission to grieve
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The National Institute of Mental Health (NIMH)
states that a depressive disorder, or major
depression, is characterized by a combination
of symptoms that interfere with a person’s
ability to work, sleep, study, eat and enjoy
once-pleasurable activities. Major depression
is disabling and prevents a person from
functioning normally. While the signs of normal
grief may seem similar at least at first, the
symptoms of true depression are typically more
pronounced and long-lasting. Treatment for
depression can include medication, behavioral
therapy and other supportive intervention
appropriate to the grieving individual. For more
detailed information, see nimh.nih.gov
Grief or depression?
While teenagers or older preteens may be more capable of under-
standing the concept of death and the implications, as compared
to young children, it’s important to remember that teens are not adults
— no matter how mature they may appear to be. Teen emotions may
be very similar to yours ranging from sadness and anxiety to anger
or guilt. The Dougy Center, The National Center for Grieving Children
andFamilieswith25yearsexperienceasthefirstcenterintheU.S.to
provide peer support for grieving youth, suggests that you pay close
attention to your teen for signs that can be similar to adult responses
but more pronounced and troublesome:
Using alcohol or drugs to escape or
avoid talking about the loss.
Failure to acknowledge the death or acting
as if it hasn’t occurred.
Decline in school performance or attendance.
Withdrawal from friends and family or social activities.
Excessive sleeping.
Marked or prolonged decrease in appetite accompanied
by weight loss or other health problems.
Change in personality or appearance.
Teenagersoftenhavedifficultyexpressingtheirfeelingsunderanycir-
cumstance to parents or even peers — boys in particular may think it isn’t
appropriate to cry or show any true emotions that may be perceived as
“weak.” If your teen isn’t comfortable talking to you, try not to take it per-
sonally or overreact — but don’t ignore the situation. It may be time to con-
sider professional help to address your concerns before things get out of hand.
Teens need special attention
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understanding grief: in children
TheNationalCancerInstitute(NCI)identifiesthree
common worries many children experience when
coping with loss: “Did I make the death happen?”;
“Is it going to happen to me?”; and “Who is going
to take care of me?”. While you cannot expect to
resolve these worries immediately, there are things
to consider when talking to a child about death
that may help with time to relieve their concerns:
•Answer questions honestly and directly, using
age-appropriate language.
•Keep your explanations simple and factual,
including details only as needed.
•Provide reassurance that your child will be safe
and secure.
•Many experts recommend the use of direct
words, such as “died” and “death.” Saying
things like “he/she passed away” or “we lost
him” — terms adults understand — can create
confusion and unintentionally promote the idea
that the loved one may return.
SOURCE: National Cancer Institute: PDQ® Grief,
Bereavement, and Coping With Loss. Bethesda,
MD: National Cancer Institute.
Talking to children about death
Children, as compared to adults and older youth, have a unique way of
looking at the world and events around them, which makes it particularly
important you understand the kind of grief your child may experience.
The American Academy of Child and Adolescent Psychiatry (AACAP)
states that preschool children may view death as something temporary
and reversible, a belief that stems from seeing cartoon characters “die”
andcomebacktolife.Childrenagesfivetoninemaybegintothink
more realistically about death yet they still think it will never happen
to them or anyone they know.
You can expect your child to display normal grief such as immediate
sadness and crying, confusion and anxiety, increased fearfulness or
even insistence that the person who has died will come back or is still
alive. If a funeral or memorial service is planned and your child is afraid
or just doesn’t want to attend, don’t force the issue. Instead, consider
an alternative way to let your child honor the memory of a loved one,
such as drawing a picture of the person, making a scrapbook or lighting
a candle with you. Use your judgment as to what is in the best interest
of your child — try not to be swayed into doing what you think other
people may expect or think is “right.”
How children view loss
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The loss of a parent or older sibling who has
been deployed for some time may create
evenmoredifficultiesforyourchildasfar
as accepting the permanence of the loss or
grieving with the rest of your family. Military
deaths, and subsequent observances, during
wartimes are often public events and the lack of
privacy can cause additional problems for your
child in dealing with the loss. Don’t hesitate to
set limits on visits or overtures by even well-
meaning friends or other relatives — your child’s
wishesandemotionsalwayscomefirst.For
more information, see “Traumatic Grief in Military
Children: Information for Families” The National
Child Traumatic Stress Network at nctsn.org
Children’s grief in military families
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The American Academy of Child and Adolescent Psychiatry (AACAP)
notes that young children who have lost a parent may experience guilt
or blame themselves for the loss if at some point in time they were
angry and wished the parent would “go away” or perhaps even die.
Additionally, there are several signs that could indicate more serious
grief responses such as:
Extended period of depression and sadness where your child loses
interest and involvement in play or daily activities.
Inability to sleep or eat.
New or increased fear of being alone, either during the day or night.
Excessively “imitating” the person who has died.
Statements of wanting to “be with” the loved one.
Refusing to attend school or a decrease in performance.
Note that young children may not be able or want to fully express grief
through words — so examine any drawings or pictures for indications that
yourchildishavingagreatdealofdifficultycopingwiththeirfeelings.Ifin
doubt, talk to your pediatrician right away and get appropriate counsel.
More serious responses in children
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special loss: family & friends
Regardless of how long you may have been with
your spouse or partner, there is no simple way to
surmount the loss of this person or to deal with
the ensuing grief and related issues. Faced with
your emotions, you may also have to help children,
elderly parents or other relatives cope with this
same loss.
While your initial reaction might be to attend to
the needs of everyone else, don’t neglect yourself.
Know there is support for you as well as your
family through a variety of resources:
• Close, trusted friends
• Spiritual adviser
• Mental health counselor or organization
• Grief and other support groups
• Counseling options provided by employee
assistanceorworkplacebenefitsprograms
Many couples often split tasks at home, making it
thatmuchmoredifficulttosuddenlyfindyourself
as the person with sole responsibility for taking
care of all the day-to-day details or things your
spouse typically handled. Remember you don’t
have to go it alone — enlist a friend, neighbor or
relativetolendahandespeciallyduringthefirst
few weeks following a loss.
Losing your spouse or partner
Any loss that is meaningful to you will be a difficult loss
to bear. But there are certain losses that present special
challenges including that of your spouse or partner,
a parent, your child, a sibling or close friend. If you
have experienced a loss of this nature it’s particularly
important for you to be mindful of certain considerations
and be aware of the need to consult a professional for
help if you feel overwhelmed or hopeless at any time.
Please don’t wait to take care of yourself and know
there is support for you and other family members.
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The National Institute on Aging (NIA), U.S.
Department of Health & Human Services,
recommends waiting to make any major
decisions about things like moving, new jobs
and other changes that will require even more
acclimation. It’s better to cope with your
emotionsfirstandthenwhenyou’reready—
whenever that feels right for YOU — consider
other tangible issues that may need to be
addressed. However, there may be certain
legal or administrative issues that must be
addressed right away so don’t hesitate to
involveafamilyattorneyorfinancialadviser
to step in and provide their expert assistance.
Then when you are ready, you can participate
in making critical decisions with a clearer head
and more rational perspective.
There are really no words to describe the extent of sorrow that comes
from losing a child, whether to illness or a traumatic event. You and your
spouse may grieve very differently from one another, all the while having
to care for other children or deal with the grief of other family members
and close friends.
The American Association for Marriage and Family Therapy (AAMFT)
stresses that parents can often feel very isolated in their sorrow as
other people may be unsure of what to say or how to act. You and
your spouse could also experience more anger, guilt, depression and
associated physical symptoms compared to those grieving other types
ofloss.Conflict,eitherneworfrompreviousissues,maybecomemore
pronounced so talking to one another may not be helpful at this time —
but it’s important to communicate with someone who can help you deal
with your emotions and to consider:
• Counseling for yourself, your spouse (either separately or together) and
for other children.
• Joining a support group with other parents who are going through similar
experiences.
• Keeping a journal to chronicle your emotions and thoughts.
• Doing “good works” or some type of community service if appropriate to
honor the memory of your child, either on your own or as a family.
• Staying involved in familiar activities if at all possible. Even shopping
for groceries or helping other children with homework can be more
productivethanyourealizeatfirst.
If you simply cannot face others or attend to things like paying bills, driving
carpool or preparing meals, then don’t do it. Ask for help or accept it if
offered. Make sure your employer is aware of what’s happening and take
advantageofanyavailableleave—ifthatwouldbebeneficial—outside
of the usual bereavement policy at your workplace. Keep in mind that your
spousemayfindsolaceinworkevenifyoudon’tandtrytoberespectfulof
their need to grieve in their own way. The death of a child is not something
people “get over” or the type of grief that goes away, regardless of the age
of the child.
Loss of a child
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The loss of a parent is not only a time of sadness, it can also
be an event that causes a variety of other emotions ranging
from guilt and remorse for relationships that were not ideal to
anger and blame because your parent has been taken from
you “too soon.”
These are normal reactions of adult children to losing a
parent, now faced with your own mortality and potentially the
responsibilities for another aging parent. Grief at this time is
unique to your personality, your relationship with your parent
and any siblings, your age and even your gender. In addition:
• Parents are often a primary source of comfort during times
ofturmoilordifficultsituationsinlife—youmaythinkthat
this kind of unconditional love and support is irreplaceable.
• Thelosscancauserenewedfamilyconflictsasold“hurts”
are recalled.
• Ifyouhavelostyourlastsurvivingparent,itcanbedifficult
to acknowledge your new status as both motherless and
fatherless, no matter how old you are.
• Even if your parent was ill for a long time or very advanced
in years, death is always a shock.
Talking to others outside the family may prove to be especially
helpful,includingsupportgroupsspecifictothelossofa
parent, a counselor or spiritual adviser. Just because you
are an adult doesn’t make your grief any less painful or real
— don’t deny your feelings or get so caught up in the many
administrative issues that are often inherent to losing a parent.
The USAA Educational Foundation publication “When A
Loved One Dies: Legal and Financial Concerns” addresses
a number of topics and information to help you understand
estate matters, executor duties and more — there is a special
section as well for military-specific concerns.
Losing a parent
Losing a sibling may be particularly painful as the loss can
create a void in your life on many levels and potentially
changes your own role in a family’s dynamics along with
the responsibilities your sibling may have shouldered. You
can expect to feel the same type of normal grief as with
any other loss — but you could also grieve the absence of
someone who’s been your friend since childhood, a source
of support during challenging times and a connection to
shared memories and events, both good and bad. Often,
siblings can be overlooked during mourning as others focus
on acknowledging the emotions and needs of any surviving
parents or grandparents. If you have other siblings, try to stay
in touch during this time as you also consider opportunities to
honor your loved one’s life or interests with charitable works or
contributions, for example.
The loss of a close friend is a death that can impact you as
much as the loss of a sibling; with so many families today
scattered around the country, it may be your friend who has
shared holiday meals or been there for you when your relatives
were just too far away. Others may not realize the depth of
your loss. So try to reach out to your friend’s family as well
as mutual acquaintances, seeking comfort for yourself while
communicating to them how much their loved one also meant
to you and the value of your friendship. Remembering your
friend through photos and keepsakes can provide a great
deal of comfort during the initial bereavement period and even
years later. And don’t hesitate to seek counseling if your grief
continues or worsens — losing a friend is no less meaningful
than another loss.
Other significant losses: siblings & friends
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sudden loss
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While you may hesitate to talk to children about suicide, the American Foundation for Suicide Prevention (AFSP)
suggests that honest discussion does not give others the idea to take their own lives. Rather, understanding
mental illness and suicide helps surviving family members to be watchful about their own health, and to take
preventative steps when something is wrong. When talking about the loss to your children, be truthful, be
reassuring and encourage questions. For more information and links to local resources in your area visit afsp.org
HeLPING
ChildrenUNDeRStAND
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Any loss of a loved one can be devastating in many ways
— but a sudden loss that allows no time for any mental or
otherpreparationcanbeparticularlydifficult.Thistypeof
loss may result from an accident, suicide, natural disaster,
criminal act or casualty of war. In this instance, you may be
faced with a far more complicated grief and resulting issues.
Remember that complicated grief is distinct from normal or
expected grief in its:
• Heightened response or minimal reaction.
• Duration of grief and sadness.
• Inability to carry out daily activities.
• Extreme anxiety or agitation.
• Hyper-focusing on the loss itself or the person
who has died.
Complicated grief may require the intervention of a physician
or trained counselor to help you deal with your emotions and
learn to cope with your grief — it is not something to ignore
as it can lead to severe and debilitating depression.
Unexpected losses present different challenges Complicated,confusingandfilledwithabreadthofdifferent
emotions,thelossofalovedoneduetoasuicideisdifficult
tocomprehendandaccept.Youmaybefilledwithguilt,
anger, denial, and embarrassment or shame that others may
fault you for the loss — even though the greatest percentages
of suicides are attributed to an underlying and often
undiagnosed mental disorder.
Grief that accompanies an event of this nature is profound
on so many levels and while it may require the involvement
of a professional to administer treatment or therapy, there are
some things you can do to help cope with this tragedy.
The American Foundation for Suicide Prevention (AFSP)
recommends that you:
CoNNeCT — to other survivors of suicide loss,
through support groups or outreach programs.
LearN — about suicide and the factors that
may have precipitated it and which you could
not have prevented.
CommuNICaTe — with friends, other family
members and trusted advisers who will listen.
Grief after suicide
Every loss can be traumatic to you, your family, and your friends. But
losing a loved one as a casualty of war or due to a public tragedy is
something for which you can’t prepare and that often sparks a range
of emotions outside of normal grief. For example, you may be resentful
of survivors as well as their families, angry at circumstances beyond
your control and at people who may invade your privacy, or experience
irrational fear that you and other loved ones will never be safe again.
Coping with the grief associated with traumatic loss is potentially
moredifficultandlonger-lastingthanothertypesofloss.
• You may be faced with unwanted attention from news media
or even well-meaning strangers who after a tragic event feel
collectively “responsible” for grieving along with you and the
families of any other victims.
• If your loved one was a servicemember, there may be military
memorials or other observances you will need to attend and
subsequently have to cope with additional stress.
• A tragedy may be public but your grief is personal and you may not
wish to have your family’s privacy compromised in any way.
One of the best things you can do in the wake of traumatic loss
is to try and maintain your normal routine as much as that is possible.
For children especially, sticking to a schedule and taking part in regular
daily activities can be very healing both long and short-term. If you do
not want to talk to or deal with anyone outside your family, such as the
news media, enlist the aid of a trusted friend or your legal adviser who
can serve as a family spokesperson. Give yourself permission to rest
when you need to but try to engage in some exercise when you feel up to
it. Traumatic loss can be accompanied by extreme stress reactions so do
not hesitate to get help from a professional counselor or your physician if
you feel totally overwhelmed for any extended period of time.
Traumatic loss
The Mayo Clinic reports that stress following any
kind of traumatic loss can lead to Post-traumatic
Stress Disorder (PTSD), with symptoms typically
occurring within three months of the events; in
a smaller number of cases, symptoms may not
appear for several years and are grouped into
three major types:
•Intrusivememories(flashbacks)
•Avoidance and numbing (denial, avoidance
of social or other activities)
•Increased anxiety (anger,
self-destructive behaviors)
The United States Department of Veterans Affairs
at ptsd.va.gov offers resources for the general
public as well as members of the military. There
is help for you and your family so don’t delay
seeking counsel or treatment. Mayoclinic.org
also provides extensive details and information
for understanding and dealing with this disorder.
Post-traumatic stress disorder affects civilians & servicemembers
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steps forward
Reconciling your feelings of sorrow but still making efforts to
moveonwithdailylifeinnowaydiminishesthesignificanceof
losingalovedone.Itispossibletohealandevenfindyourself
enjoying activities or returning to work — it doesn’t mean you
have forgotten the person you lost. Reassure your children —
and remind yourself — that it is okay to laugh or have a good
time again. Your loved one would not want it any other way.
Just remember there is no set period for mourning and grief is
cyclical, receding and possibly resurfacing at times over the
course of several weeks, months or even years.
There are a number of ways you can help yourself or family
members cope with grief and loss:
Take time to rest, meditate and be alone if you are
overwhelmed by the attention of others.
Eat a healthy diet, get some exercise and if you can’t
sleep, talk to a doctor about your physical or emotional
state. Extended or inconsolable grief may require
contacting a mental health practitioner, whether for
yourself, your spouse or children.
Communicate to teachers, employers or coworkers what
has occurred and be aware of any policies regarding
absences or requirements for missed work. Share only
what is comfortable but do let others know when you or
your children can be expected to return to work or school.
Ask for or accept any offers of help from friends,
neighbors or other relatives. If you can’t deal with things
like paying bills or any sensitive paperwork, enlist the aid
ofyourlegalorfinancialadviser.
Pay tribute to the memory of your loved one with a
charitable contribution in their name.
Take the time you need to grieve and understand that
ultimately the sadness will lessen, replaced by fond
memories of your loved ones and an ability to enjoy the
people you still have around you.
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This publication is not intended to be, and is not medical, safety, legal, tax or investment advice. It is only a general overview of the subject presented. The USAA Educational Foundation, a nonprofit organization, does not provide professional services for financial, accounting or legal matters. Applicable laws are complex, the penalties for non-compliance may be severe, and the applicable law of your state may differ. Consult your tax and legal advisers regarding your specific situation. The USAA Educational Foundation does not endorse or promote any commercial supplier, product, or service. The Department of Defense, its military branches (Army, Marine Corps, Navy, Air Force and Coast Guard) and other governmental agencies do not endorse or favor any of the information, products or services contained in this publication. USAA is the sponsor of The USAA Educational Foundation. The USAA Educational Foundation www.usaaedfoundation.org is a registered trademark. The USAA Educational Foundation 2014. All rights reserved.
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