Social Security Analysts of Idaho

A simple checklist for making sure your obituary honors and informs.When a loved one has passed away, writing an obituary that honors their life can seem overwhelming. Dont worry - your obituary will honor their life simply by the act of you writing it. You want to celebrate your loved ones life and offer happy and enjoyable memories. You are helping to ease the pain of others simply by telling a story about your loved one.We hope that this checklist will take the stress and pressure off of you and allow you to honor your loved one. Remember, your funeral arranger is an experienced professional and is a valuable resource for writing the obituary.Include basic details about the persons lifeYou dont have to include all of this information, but here are the basics that are often included in an obituary. Choose the elements that are most relevant to your loved one: Age Any familial survivors Education Vocation When the person retired, if relevant Any military affiliations Any volunteer affiliations Include funeral informationFamily and friends often rely on an obituary for information on when and where a persons life will be celebrated, so your obituary will make it very simple for them to get that information (and will save you the hassle of having to answer lots of questions at a time when you would prefer not to be bothered with small details). You can include: Date and time of the funeral Place the funeral is being held Any viewing details Request for donations in lieu of flowers

Losing a loved one is a deeply emotional and challenging experience, and sometimes, it's not easy to find the right words to express sympathy when the loss occurs. If you didn't offer your condolences at the time, you may wonder if it's too late to do so now. In this guide, we'll explore the importance of expressing sympathy, even if some time has passed, and offer guidance on how to approach this sensitive situation.1. It's Never Too Late for SympathyGrief is a long and evolving journey. While immediate condolences are appreciated, sympathy can be meaningful and comforting at any stage of the grieving process. It's never too late to reach out and offer your support.2. Acknowledge Your DelayIf you feel uncomfortable about the time that has passed, it's perfectly acceptable to acknowledge it in your message. A simple phrase like, "I'm sorry I didn't reach out sooner," can convey your genuine intentions.3. Choose a Thoughtful MediumConsider how you want to express your sympathy. A handwritten letter, an email, a heartfelt message, or even a phone call can all be appropriate ways to offer your condolences.4. Be Sincere and CompassionateWhen you reach out, express your sympathy with sincerity and empathy. Use kind and understanding language, and let the grieving person know that you care about their well-being.5. Keep It SimpleYou don't need to offer long explanations or profound insights. A heartfelt "I'm sorry for your loss," or "I'm thinking of you during this difficult time," can convey your sympathy effectively.6. Offer Specific HelpIf you are genuinely willing and able to assist, consider offering specific help, such as running errands, providing a meal, or simply being available to listen if they want to talk.7. Respect Their SpaceGrief can be a highly personal experience, and some individuals may not be ready to engage in conversation. Respect their boundaries and allow them to respond or not respond as they feel comfortable.8. Follow UpAfter expressing your sympathy, follow up with a message or gesture of support in the coming weeks or months. Grief can be isolating, and knowing that someone cares can make a significant difference.9. Accept Their ResponseUnderstand that the grieving person may respond in various ways. Some may appreciate your message immediately, while others may need more time to process it. Your intentions matter, even if the response is not immediate. Expressing sympathy, even after some time has passed since a loved one's death, can offer comfort and support to those who are grieving. It's a compassionate gesture that shows you care about their well-being and acknowledge their pain. Remember that grief has no set timeline, and your sympathy can be a source of solace during a challenging journey. Reach out with sincerity, offer your support, and be open to their response, respecting their pace and feelings as they navigate their grief. Your gesture of sympathy can make a meaningful difference in their healing process.

Medicare has been changing yearly and 2026 will be no exception. What is ahead for Medicare this fall and why?Carriers are still feeling the effects of the Inflation Reduction Act, which passed in 2022, but just took full effect in January of 2025. Beginning January 1, 2025, people with Part D plans through traditional Medicare and Medicare Advantage plans with prescription drug coverage, won't pay more than $2,000 over the calendar year in out-of-pocket costs for their prescription medications, the donut hole or coverage gap is eliminated and there is a new payment plan to spread drug costs through the year. Those changes came at a cost to other benefits. The Inflation Reduction Act significantly increased the carriers expenses and in response benefit cuts occurred for 2025 and will continue for 2026. Carriers had to absorb the steep cost increase for the mandatory prescription drug plan changes by balancing the budget, which included increases in beneficiaries copays, deductibles added to plans, the plan maximum out of pocket increased, non-medical benefits were reduced, a prescription drug deductible was added, and prescriptions were re-tiered or eliminated from the list of covered drugs. 2026 will see further adjustments as the carriers remove most benefits deemed non-medical. Seniors who have grown accustomed to benefits such as an over-the-counter allowance or food subsidy may see those benefits sharply reduced or eliminated this fall. Plans must be submitted to Centers for Medicare & Medicaid Services for approval in early spring to be ready for the enrollment period in fall to be active for the following calendar year, so carriers have had little time to study the impact of the Inflation Reduction Act on overall costs. Insurance moves slowly. The changes we are feeling in 2025 are the result of a bill passed in 2022 and will continue to affect plans in 2026. This fall will feel like a continuation of the benefit cuts seniors faced in the fall of 2024 as carriers work to balance the budget while considering the increased prescription costs and trying to maintain the plan benefits seniors rely on. For more information visit: aismedicareandmore.com Editors Note: This article was submitted by Jolynn Allen with AIS Medicare & More.  Jolynn is the owner of AIS Medicare & More and may be reached at:  719-404-3202