Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon Funeral Home Share How to Help Someone Who is Grieving

Since 1910, Saskatoon Funeral Home has responded to the needs of Saskatoon & area citizens of every faith and every walk of life. They have a proud history as Saskatoon's longest-serving, local, family-owned and operated, full-service funeral and cremation provider to trace its roots to the beginning days of our city. Saskatoon Funeral Home are a Trusted Saskatoon funeral home. 

How to Help Someone Who is Grieving

By Dr. Bill Webster

I’d love to help but I just don’t know what to say or what I should do.  I am sure many of us can identify with such sentiments.  We hear that a friend or a neighbor has had a loss.  Our hearts immediately go out to them and we long to be of some comfort or assistance but we just don’t know what to do or what to say.  Often because we are afraid or unable to raise the subject we may say nothing.  To the grieving person it may seem as if there is little understanding or support.

Here are eight practical suggestions as to how we can help in a positive and constructive way people who have a loss and support them in their time of need.


1)      Be there.

Our initial reaction is often “What can I do?” and it is a wonderful one.  Most of us want to do something to help take away the pain of loss.   People will offer all kinds of practical help such as bringing in food, looking after children and many other examples.  Yet often what is needed is for people to be not just to do.  As helpers we should take the initiative and make contact.  Remember the griever is in shock and isn’t functioning very well.  They may not be able to respond to your sincere offers to “Let me know if there’s anything I can do?”  They may not know what they need.  The first thing is to reach out, establish contact and be there.  Don’t worry about what you’re going to say or do.  It may come as a surprise but I actually remember very little of what was said to me at the funeral home.  What I do remember is that certain people were there and their presence made all the difference.  Just be yourself.  The gift of presence is most important to people in grief.


2)      Please listen.

One of the healthy things in the days before a funeral is the opportunity for people to talk about the dead person and the events surrounding the death.  Unfortunately that process often ends shortly after the funeral service.  Research has shown that the most significant factor in the failure of grief resolution is the absence or inappropriateness of social support.  Put simply people need to talk … which means others need to listen.  In fact it is better to say people need to talk and talk and have repeated opportunities to review and relive the person’s life and death.  You may find they repeat the same story over and over.  Encourage this.  Difficult as it may be for the listener because each reliving of these events is another strand of the chord that is cut.  Care enough to find out about the person’s grief.  Give them permission to talk with questions like: Can you tell me a little about the death?  What happened?  Tell me about him/her.  How did you meet?  What was he/she like?  What has been happening since the death?  How have you found things?  How are you feeling?  What are some of the struggles or challenges?   Know when to close your mouth and when to open your ears.  Simple listening skills such as maintaining eye contact, leaning forward and nodding your head can encourage the griever to open up.  The unspoken messages “You’re important and what you are saying is important, and I want to hear everything you’re telling me.”


3)      Interpret “Normal” Behavior.

It is important to understand what grief is and how it manifests itself.  Only then will we know what is normal.  Grief is an emotional response to a significant loss.  It manifests itself in many different ways, in greater or lesser degrees and in various combinations. In simple terms, grief is unpredictable. This is what makes normality so difficult to define or neatly package. What is normal? Why can two different people react to grief in completely different ways and both be considered normal?  Our grief response is a unique blending of numerous emotions. Some of these include shock, disbelief, numbness, crying, confusion, anxiety, depression, guilt, anger, loneliness, despair, sadness, helplessness, frustration, irritability, resentment, fatigue, sleep disruptions, physical symptoms, and lowered self‑esteem. All these emotions are normal. People in grief, not understanding this emotional explosion they may be experiencing often think they are going crazy. They aren’t! They are normal. They may need some help to work through all their feelings, but that’s OK. You may not be a doctor or a psychologist, but if you can help people to see they are normal in their feelings of grief, you will bring the best medicine. By the way there are other messages in this series that will help you understand the grief process more fully.


4)      Legitimize Grief Feelings:

I try never to say “I know how you feel” to anyone, because I don’t. How can I know how they feel. All I know is how I felt when grief touched my life. People say these words with good intentions, but the grieving person often does not appreciate them. To say I know how a person feels somehow minimizes their experience. The loss is unique to the griever. The feelings of grief are unique, influenced by many factors around the relationship, and the circumstances. Sure, I lost my wife, and I remember how that felt…but someone else may be feeling something quite different, and we need to validate that. We need to let the person know it is OK to grieve. Grief is confusing to people for many reasons. It manifests itself in some seemingly unusual and uncharacteristic behaviors. The messages people sometimes get is that they should “be strong” . They may be looking for permission to grieve. They are asking us in hidden ways if it is safe to express to us what they are REALLY feeling. To tell a person NOT to cry when tears fill the eyes is to deny permission to grieve. To say that they must be strong, or that life must go on, or even to quickly change the subject to something more cheerful, gives the message that the grief and the feelings are not acceptable to us. Maybe we are simply saying we can’t handle it, which is fair enough. But if we do want to be a support, we need to assure them that we don’t mind if they cry, or rant and rave, or show anger, or display any of the emotions associated with grief. Let people know that you accept them as they are in this time…that you accept their weakness and vulnerability…that you are not trying to “fix” them or indicating they should be doing better. There is often a critical moment between friends when the voice cracks, the mouth quivers, and tears come to the eyes. In that moment, Say little or nothing, but reach out, touch the person, perhaps by a gentle hand on the arm, and let them know that it is OK to let it go and express the grief that is being felt.


5)      Tolerate Angry Responses:

Be prepared for the fact that you may be the focus of some angry reactions or outbursts. It is not necessarily a reflection on you or the things you are attempting to do. Don’t get angry in return or give up on the person when this happens. The problem with anger is that it doesn’t always get focused in the right direction. Grievers may be angry with doctors, ministers, funeral directors, friends…in fact almost anyone. And they are angry for one simple reason. We cannot give them what they want the most. Namely the return of the person they have lost. Something has happened that cannot be changed, much as we would like to. The feelings of helplessness around such a situation lead people to be angry. They are angry because they have been left. But where do they focus that anger. On whoever happens to be in the line of fire when the frustration overflows. We have to be clear here. The person is not angry at us, hard as it may be to be objective. We have to be realistic about the help we can offer. We cannot take the pain away from the person. Despite our best efforts, we cannot rectify the situation to their satisfaction. That does not mean we can do nothing…it just means we have to be realistic.


6)      Give the Griever Hope:

While not minimizing the pain and difficulty of grief, we need to give the griever hope. Hope that someday the pain will subside. Hope that life will have meaning again. Hope that God has a purpose in all this, even though we may not see it right now. Hope that someday life will make sense again. Such a feeling of hope will bring comfort, the realization that things will get better, and that they will find the grace and the strength to carry on.  This is why support groups can be so helpful. They show people whose loss is recent that others have survived the anguish and the agony, and are finding new meanings for their life. While the newly bereaved may not feel it at the time, seeing that there is a possibility of recovery is a glimmer of hope at the end of the tunnel. Giving the mourner hope involves constantly reassuring them that as long as they work at it with courage, the pain will subside and life will go on. It may be a reminder that strength is often made perfect in weakness. But the confidence we place in the person that they will make it will give them courage and confidence in times when self doubts assail.

Always remember that Grief Takes Time. Not everyone goes through the same process, and none at the identical pace. More often than not, grief takes much more time than society has realized or allowed. We have often forced unrealistic expectations on people who have had a loss. We expect them to be “over it in a relatively short time. While it is commonly accepted that the intense reactions of grief will subside within six to twelve months, it is also widely acknowledged that some things may take years to be resolved. It is up to the grieving person to set the pace for their own journey. We of their friends and family can only walk with them on that journey. We can’t fix people or try to make their decisions for them, or try to set the pace for their journey. But we can be with them. We can walk alongside and let them know they are not alone. They have a friend, and they will be thankful for that and for us. We will have made a difference in someone’s life.

And, after all that is the greatest reward.


Visit their website to learn more about pre-planning a funeral and grief support, as well as the traditional funeral and cremation services that they have to offer. They are always there to help. Check out their listing on Trusted Saskatoon to read more reviews and to see all the services they offer. 

Saskatoon Funeral Home is your Trusted Saskatoon funeral home. 


Trusted Saskatoon Funeral Home Discuss The Importance of Memorialization & Talking About What Matters Most

Since 1910, Saskatoon Funeral Home has responded to the needs of Saskatoon & area citizens of every faith and every walk of life. They have a proud history as Saskatoon's longest-serving, local, family-owned and operated, full-service funeral and cremation provider to trace its roots to the beginning days of our city. Saskatoon Funeral Home are a Trusted Saskatoon funeral home. 

Have The Talk Of A Lifetime

Through meaningful memorialization – that is, taking time to reflect on the unique life of a loved one and remember the difference they made – families and friends take an important step in the journey toward healing after death.

People talk about many things with their loved ones: from day-to-day details to big events. Sharing stories with those who matter most isn’t just important today; it will be especially significant when it’s time to commemorate a life. Herman-Taylor Funeral Home and Cremation Center is proud to announce its participation in Have the Talk of a LifetimeSM, a national effort to encourage families to have conversations about life and what matters most. These discussions can help families make important decisions about how they wish to remember and honor the lives of their loved ones.

Individuals and their families have more options than even before for memorializing their loved one at the end of life. From simple to very elaborate, there are a variety of ways a family can honor their loved one in a personal and meaningful way.

Memorialization is so much more than it used to be. It can reflect a person’s life story – their values, interests and experiences – and be transformative, healing and comforting. Meaningful memorialization starts when loved ones talk about what matters most: memories made, lessons learned and how they hope to be remembered.


Informational Brochure

We are pleased to offer families in the community a free brochure here, Have the Talk of a Lifetime, that will help you begin a conversation about life. We encourage you as you ‘have the talk” with your loved ones. Please call us if we can help you or if we can provide additional information about your memorialization options.


Visit their website to learn more about pre-planning a funeral and grief support, as well as the traditional funeral and cremation services that they have to offer. They are always there to help. Check out their listing on Trusted Saskatoon to read more reviews and to see all the services they offer. 

Saskatoon Funeral Home is your Trusted Saskatoon funeral home. 


Trusted Saskatoon Accountants at HTH CPA's Tax Tip: Underused Housing Tax (UHT) Returns

Hounjet Tastad Harpham has decades of accounting experience working with clients across Saskatchewan. Their expert accounting advice is valued by clients ranging from individuals to businesses, small and large. Hounjet Tastad Harpham is a Trusted Saskatoon Accounting firmand in their latest helpful Saskatoon accounting and tax tip, they explain the new Underused Housing Tax (UHT) Returns.

Underused Housing Tax (UHT) 

The Government of Canada implemented the Underused Housing Tax (UHT) on June 9, 2022, and as of December 31, 2022, it will impact certain residential property owners. 

 

A residential property owner who is not classified as an “Excluded Owner” must file the UHT return by April 30 of the following year. They may be required to pay an annual 1% tax on the Taxable Value or the Fair Market Value of the vacant or underused housing.  

 

Excluded Owners include Canadian citizens and permanent residents, so most individuals will not need to file a UHT return. However, all private corporations, partnerships and trusts (even those owned by Canadian citizens) who own residential property will be required to file a UHT return annually, even if they are exempt from the UHT.  

 

Failure to file a UHT return has significant penalties, starting at $5,000 for individuals and $10,000 for corporations. Further, failure to file could lead to the UHT being payable, even if an exemption should have applied.  

 

If you are a Canadian citizen or permanent resident (except in capacity as a partner or trustee), no action is required on your part. Anyone else who owns residential property, including individuals who own the property as a partner or trustee, may want to consider discussing your situation with your tax advisor.  

 

Exemptions

Your ownership of a residential property may be exempt from the Underused Housing Tax for a calendar year depending on:
  • the type of owner you are
  • the availability of the residential property
  • the location and use of the residential property
  • the occupant of the residential property
Remember, if you are an affected owner of a residential property in Canada on December 31 you still have to file an Underused Housing Tax return for the residential property for the calendar year, even if your ownership qualifies for an exemption.

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Accounting Services:

If you are looking for a Saskatoon chartered professional accountancy firm contact the team at Hounjet Tastad Harpham today.

HTH is a Trusted Saskatoon Accountant 

Tax specialist



Trusted Saskatoon Group Benefits Professionals at Aurora Workplace Solutions Explain Critical Illness Insurance

Aurora Workplace Solutions are about creating brilliant futures by developing wealth security for businesses and individuals. As experts in the industry, they keep on top of recent news including changes to relevant group benefit plans, retirement savings options, and guidelines and policies. They also keep their eyes open for informative articles we think are of interest to our current and potential clients. Aurora Workplace Solutions are Trusted Saskatoon Group Benefits and Insurance Professionals! 

Importance of Critical Illness Insurance Explained

Critical Illness Insurance Coverage Helps You Recover

A critical illness can strike at any time, and it can happen to anyone, regardless of their age or gender. Although the incidence of cancer, heart disease, and stroke are rising in Canada, the odds of surviving a critical illness are better than ever. Thanks to medical advances.

But surviving a health crisis can often involve a number of financial challenges for which you were unprepared. Long Term Disability payments can help replace lost wages, but not the additional costs associated with surviving a critical illness. Expenses like time off work, travel to and from treatments, home modifications or assistance at home are now added on top of your normal living expenses. That’s where Critical Illness Insurance comes in.


Ease the financial pressures associated with a life-threatening illness

Critical Illness insurance is designed to ease the financial pressures associated with a life-threatening illness by paying a tax-free lump sum if you become seriously ill. As a result, you can devote 100% of your energy to recovery, without worrying about how your illness has affected you financially.


Aurora Workplace Solutions design & create custom group benefits plans that meet custom organization goals. Read more about their Group Benefits Plans or contact them today to get started!

'Creating Brilliant Futures'


Aurora Workplace Solutions are Trusted Saskatoon Group Benefits and Insurance Professionals! 

Trusted Saskatoon Group Benefits Professionals at Aurora Workplace Solutions Discuss Stop Loss Insurance

Aurora Workplace Solutions are about creating brilliant futures by developing wealth security for businesses and individuals. As experts in the industry, they keep on top of recent news including changes to relevant group benefit plans, retirement savings options, and guidelines and policies. They also keep their eyes open for informative articles we think are of interest to our current and potential clients. Aurora Workplace Solutions are Trusted Saskatoon Group Benefits and Insurance Professionals! 

What is Stop Loss Insurance?

Stop-loss Insurance takes claim off the Employer’s shoulders


When an employee has a health issue requiring expensive treatment, the associated high-cost claims can be significant for their benefits plan sponsor. But it’s impossible to predict when a large claim will arise, so stop-loss insurance, which takes the claim off the employer’s shoulders, is one option to help protect against these unexpected costs.

As a type of insurance policy that sits on top of a benefits plan, stop-loss is available to both fully- and self-insured plan sponsors. When choosing stop-loss insurance, an employer selects a threshold up to which it can reasonably cover claims — ranging from between $10,000 and $100,000 — and any claims beyond that will be covered by the policy.


Stop-loss not a substitute for plan management

The main benefit of stop-loss insurance is its ability to protect the Saskatoon employer from catastrophic claims. For self-insured groups, it primarily acts as a budgeting tool so there aren’t any unexpected hits that could affect accounting.

On the other hand, stop-loss can become costly. While a claim may be mitigated in the first year, premiums can rise in the following years, essentially providing only short-term stabilization. This is especially difficult if the claim is reoccurring, which is the case for most drug claims.

“Stop-loss doesn’t help you avoid cost; it simply helps you prevent an unexpected surge in costs in a given year. It’s not a substitute for plan management.”

Another drawback is that most plans only have a single market for stop-loss insurance, meaning employers can only purchase it from one group, typically their own health insurer, which limits them to that insurer’s quote.

To limit risk, employers can use a pre-existing condition clause for an employee’s first year of employment by setting benefits to a specific limit so they can’t bring in unexpected expenses. Another option is to put a limit on drug reimbursement levels or incorporate provincial drug programs into the benefits plan.

While stop-loss prevents large, unexpected claims from affecting a plan sponsor, it’s important to understand that issues can still arise after a claim is made and employers should be aware of all the available options, so they can make a decision before it’s too late.


Aurora Workplace Solutions design & create custom group benefits plans that meet custom organization goals. Read more about their Group Benefits Plans or contact them today to get started!

'Creating Brilliant Futures'


Aurora Workplace Solutions are Trusted Saskatoon Group Benefits and Insurance Professionals! 

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