Survivor Roadmap and Guidance

No Excel experience needed • Automatic protection • Zero technical setup

The Survivor Roadmap in LifeLedger Pro was created to protect your loved ones and guide them through every stage after loss. From Social Security survivor benefits to financial and household tasks, it provides organized, compassionate direction when it is needed most.

Why LifeLedger Pro Exists

LifeLedger Pro was originally created by a husband who was experiencing heart problems. Faced with the uncertainty of his future, he pulled together important information and resources, knowing that if something happened to him, his wife would need a clear and organized way to manage their shared responsibilities. His goal was simple: to create a tool that would protect a surviving spouse, gently guiding her through every stage of life's most difficult transition - from the first week after loss to the first year and beyond.

Every year, more than a million spouses in the United States lose their partners - leaving them suddenly responsible for bills, accounts, policies, and essential records, often while still deep in grief.

LifeLedger Pro was created to bring clarity, comfort, and control during one of life's hardest moments. It gathers every crucial detail - from bills and contacts to insurance and survivor benefits - in one trusted workbook that keeps everything close at hand when it matters most.

Getting started is simple. Just follow the guided setup to list your autopays, manual bills, household tasks, and other recurring responsibilities. Most users finish setup in 30 minutes or less - and from then on, LifeLedger Pro does the remembering so you don't have to.

For many couples, one person naturally handles most of the finances - but when that person is gone, the other can be left facing confusion Read more...

Know Your Financial Future with Built-In Calculators

Financial uncertainty makes grief unbearable. LifeLedger Pro's built-in Social Security and Medicare calculators answer the questions that keep surviving spouses awake at night: "When do benefits start?" "How much will I receive?" "Can I afford healthcare?"

Enter basic information once and instantly see your complete benefit timeline. The Social Security calculator shows exactly when survivor benefits begin, how much you'll receive at age 60, and how that amount grows until full retirement age. The Medicare calculator breaks down Part B premiums, IRMAA adjustments, and total monthly costs based on your specific income situation.

No confusion. No Social Security office visits. No guessing about your financial security. These calculators turn overwhelming uncertainty into clear, actionable numbers - giving survivors the confidence to plan, budget, and move forward with peace of mind.

Explore the Calculators →

The Survivor Roadmap

Setting up takes just 10 minutes. During setup, all of the common survivor tasks below are suggested. With a simple click - add what applies, skip what doesn't, and include as many additional custom reminders as you need. Your loved one receives a complete roadmap organized by timeframe, with due date highlights and automatic pop-up alerts. All he or she has to do is open the workbook, click the 'Survivor Roadmap' golden icon, and be gently guided through what needs to be handled during the first year after loss.

Never used Excel? No problem. Friendly pop-ups guide your loved one through every step - no technical knowledge required.

First Week

• Enter the date of death in the workbook's Survivor Tasks section to activate all guided checklists.
• Contact the chosen funeral home to set an appointment, discuss arrangements, and review options such as military honors or preferred services.
• Gather the deceased's wallet or purse and store important items like credit cards, driver's license, Social Security, and insurance cards safely until they can be cancelled.
• Call the life insurance company listed in this workbook to report the death and request claim instructions. Read more...

First Month

• Locate all insurance policy numbers and beneficiaries (life, auto, home).
• Reduce premiums by removing the deceased's name from auto, mobile, and similar accounts.
• If a life insurance claim has not yet been filed, do so now using the policy details provided in this workbook. This will ensure benefits are processed promptly and reduce the chance of delays caused by missing documentation.
• Use LifeLedger Pro's built-in retirement and Social Security tools to estimate survivor benefits, Medicare deductions, and more. Read more...

Months 2 to 12

• Transfer household utilities, phone, and service accounts fully into your name.
• Transfer accounts and titles (vehicle or home) using guided steps.
• Retitle, close, or merge remaining accounts as needed.
• Evaluate health, dental, or prescription coverage and make any needed changes for single coverage. This may include adjusting Medicare or private plans, confirming prescription refills, and updating premium payments for accuracy.
• Check local property-tax exemptions for surviving spouses or senior homeowners. Read more...

Of course, all of the Survivor Roadmap tasks will be ready and waiting for your loved one when the time comes. In the meantime, you can take full advantage of LifeLedger Pro's many other features to simplify daily life - tracking bills, organizing records, and staying ahead of important dates together.

The spouse or partner who manages most of the above can also add personalized reminders in the workbook, choosing the exact date when the surviving spouse should be prompted to take each action. These reminders appear automatically in the Survivor Tasks tool at just the right time.