INCOME NEEDS

1. Dependence period-; The funds must be available during a time can be difficult for the surviving spouse to work due to children. With the high cost of childcare, the surviving spouse may not beable to make enough money to pay for child care .
2. Survivor's Blackout Period-; The "widow's blackout period" is the period of time during which social security has stopped paying the surviving spouse because there are no longer any dependent children. The widow would no longer receive benefits from social security until age 60.
3. survivor- Retirement-; providing funds for retirement of the surviving spouse is an important consideration. Especially if the spouse no longer has its own retirement plan.