One of the organizations that we both belong to offers a $1,000 death benefit just for signing up and becoming a member, which was free. Steve had only signed up a few months before. Again, I am very grateful that this was an offer. There are so many expenses at this time and your brain doesn't really work. It's nice to know that your savings account is getting money put into it so you don't have to worry about rewriting your budget every week. Anything that can be automatic at this time I found helpful.
I contacted contacted them at the beginning of January. They sent me a claim form to fill out and I returned it with a copy of the death certificate. A deposit was made into my bank account approximately 3 weeks after I returned the paperwork.
Everything takes time. Documenting the date that everything was sent or received was really helpful. A lot of the time I had no idea even what day it was or how long it had been since I had done something. Having the notebook to go back and look at was comforting.
My advice now is to check with groups you belong to and see if they offer life insurance or death benefits.