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Grief, Loss or Major Change

Loss and major change can affect more than how you feel.


They may also change your housing, income, health, relationships, responsibilities, routines, identity, or plans for the future.


You do not need to solve every part at once.

Is Anything Urgent Right Now?

Begin with immediate safety and essential needs.


Ask:

  • Am I able to remain safe? 
  • Is anyone threatening, hurting, coercing, or controlling me? 
  • Do I have somewhere safe to stay? 
  • Do I have food, water, medication, and necessary care? 
  • Is a child, dependent adult, or animal relying on me? 
  • Is there an urgent medical need? 
  • Is there a deadline that could cause serious consequences if missed? 


If you or someone else may be harmed, contact emergency or crisis support, or tell someone who can help you remain safe.

FIND IMMEDIATE SUPPORT →

What Needs Attention First?

When many things have changed, begin with:

  1. immediate physical safety; 
  2. a safe place for tonight; 
  3. food, water, medication, and necessary care; 
  4. children, dependent adults, and animals; 
  5. deadlines that could affect housing, income, health, or legal rights; 
  6. important documents or information that could be lost; 
  7. one action another person or service can help carry. 


Everything else may be important without needing to happen today.

Separate What Has Changed

It may help to write down:

  • what has been lost or ended; 
  • what remains available; 
  • what is uncertain; 
  • what now requires attention; 
  • what can wait; 
  • and who may be able to help. 


You do not need a complete plan.


You are identifying the next part that can actually be addressed.

During the First Few Days

Where possible:

  • tell one safe person what has happened; 
  • keep necessary medication, identification, keys, and contact information accessible; 
  • eat, drink water, and rest when you can; 
  • write down appointments, deadlines, and questions; 
  • postpone non-essential decisions; 
  • ask someone to help with calls, transportation, meals, childcare, or paperwork; 
  • and keep important messages and documents together. 


Shock, exhaustion, and grief can make memory and concentration less reliable.


Writing things down or having another person present can reduce what you must hold alone.

If Someone Has Died

There may be emotional, cultural, family, financial, and practical matters happening together.


You may need to:

  • identify who is coordinating immediate arrangements; 
  • notify close family or other important people; 
  • care for children, dependent adults, animals, or the person’s home; 
  • locate identification, insurance information, a will, or other important documents; 
  • contact an employer, school, landlord, benefit provider, or financial institution; 
  • learn what funeral, burial, cremation, memorial, spiritual, or cultural arrangements are possible; 
  • and obtain qualified guidance about legal or estate responsibilities. 


Laws and procedures vary by location.


You do not need to understand them all before asking an appropriate service or professional what must happen next.


Where possible, avoid disposing of property or making major financial commitments until you know what authority and responsibilities you have.

If a Relationship Has Ended

An ending may affect:

  • where you live; 
  • access to money; 
  • children or other dependants; 
  • animals; 
  • transportation; 
  • shared accounts or property; 
  • health coverage or other benefits; 
  • immigration status; 
  • communication and personal safety; 
  • or contact with mutual friends and family. 


Consider protecting access to:

  • identification and legal documents; 
  • medication and personal belongings; 
  • your own money and communication; 
  • important messages and records; 
  • and a safe place to stay. 


If there is abuse, coercion, stalking, or fear of retaliation, ordinary separation advice may not be sufficient.


EXPLORE RELATIONSHIPS, FAMILY AND CAREGIVING →

If Health or Physical Ability Has Changed

A diagnosis, injury, disability, or change in capacity may affect both the present and the future you expected.


Consider what may be needed for:

  • medical care and medication; 
  • mobility or accessibility; 
  • personal care; 
  • transportation; 
  • housing; 
  • work or income; 
  • caregiving responsibilities; 
  • communication with family; 
  • and decisions you may need help making. 


Ask a healthcare provider or community service what supports, equipment, benefits, referrals, or accommodations may be available.

EXPLORE HEALTH AND PHYSICAL CAPACITY →

If You Lost Work, Housing, Community, or a Role

You may be dealing with both practical disruption and the loss of structure, belonging, security, or purpose.


Begin with what protects essential needs:

  • safe housing; 
  • food and medication; 
  • income or benefits; 
  • transportation; 
  • important applications and deadlines; 
  • contact with supportive people; 
  • and one routine that helps organize the day. 


A practical emergency does not make the personal meaning of the loss less important.


If the loss is threatening your housing, food, utilities, medication, or another essential need, explore Food, Housing and Essential Needs. 

EXPLORE FOOD, HOUSING AND ESSENTIAL NEEDS →

If employment, income, benefits, debt, or financial survival needs attention, explore Money, Work and Income.

EXPLORE MONEY, WORK AND INCOME →

If Other People Do Not Recognize the Loss

The loss may involve:

  • a pregnancy; 
  • fertility; 
  • an animal; 
  • a friendship; 
  • an opportunity; 
  • trust; 
  • identity or belonging; 
  • a hoped-for future; 
  • a private relationship; 
  • or something important that was never fully received. 


Other people may not understand why it matters or know how to respond.


You can still ask for practical help, time, company, accommodation, or support without proving that the loss is significant enough.

Before Making a Major Decision

Some decisions cannot wait.


Others only feel urgent because uncertainty is difficult to carry.


Before signing an agreement, surrendering property, moving, borrowing money, leaving work, or making another difficult-to-reverse decision, ask:

  • Does this have to be decided today? 
  • What happens if I wait? 
  • Is there a deadline? 
  • What information is missing? 
  • Who benefits from urgency? 
  • Can someone qualified review this with me? 
  • Can I receive the information in writing? 


Grief can affect concentration and judgment without making you incapable.


More time, clearer information, or another person’s assistance may protect your ability to choose.


If the decision involves an estate, property, housing rights, custody, benefits, insurance, immigration, contracts, or another formal process, explore Legal or Institutional Pressure. 

EXPLORE LEGAL OR INSTITUTIONAL PRESSURE →

Prepare for One Contact

Before calling a service, employer, landlord, healthcare provider, school, insurer, or agency, write down:

  • what happened; 
  • what has changed; 
  • what is needed; 
  • what is urgent; 
  • the relevant deadline; 
  • what you have already tried; 
  • and what you are asking them to do. 


You might begin with:


“A major loss or change has affected my ability to manage this. What assistance, extension, accommodation, or next step may be available?”


If the answer is unclear, ask:

  • “What must happen first?” 
  • “What documents are required?” 
  • “Is there another service I should contact?” 
  • “Can someone help me complete the next step?” 
  • “May I have that information in writing?”


Ask for Specific Help

People may care and still not know what to offer.

You might ask someone to:

  • make one phone call; 
  • bring food; 
  • provide transportation; 
  • stay with you; 
  • care for a child or animal; 
  • help gather documents; 
  • accompany you to an appointment; 
  • tell other people what has happened; 
  • help manage messages; 
  • or take responsibility for one necessary task. 


Specific help can be easier to give and easier to receive.

Grief Can Affect Capacity

You may notice changes in:

  • memory; 
  • concentration; 
  • sleep; 
  • appetite; 
  • energy; 
  • patience; 
  • decision-making; 
  • or your ability to complete ordinary tasks. 


These effects do not mean that the practical problems are only emotional.


You may need both personal support and actual changes in demands, responsibilities, deadlines, or material conditions.

EXPLORE SADNESS AND GRIEF →

If Several Losses or Changes Happened Together

You may not be able to separate one problem from another.


Begin with:

  1. what protects immediate safety; 
  2. what preserves housing, food, medication, and care; 
  3. what another person can carry; 
  4. what has the nearest serious deadline; 
  5. what information or document must be protected; 
  6. and the smallest next action that keeps an important option open. 


You can return to the other parts later.


If everything feels too intense to sort through right now, begin with If It All Feels Like Too Much. 

← IF IT ALL FEELS LIKE TOO MUCH

If you can continue but cannot tell which problem or responsibility needs attention first, choose I Don’t Know Where to Begin. 

I Don’t Know Where To Begin →

Finding Support

Depending on what has happened, useful support may include:

  • family, friends, or community members; 
  • grief or bereavement services; 
  • cultural, spiritual, or faith communities; 
  • healthcare or mental-health providers; 
  • employers, schools, unions, or benefit providers; 
  • legal or financial professionals; 
  • victim, family, disability, newcomer, or community organizations; 
  • and services that help people locate food, housing, healthcare, transportation, or income assistance. 


In Canada, 211 can help connect people with government and community-based social services. 


Elsewhere, look for a local community-information service or social-service directory.

FIND LOCAL COMMUNITY AND GRIEF SUPPORT →

Where Would You Like to Go?

If you want to understand and work with the emotional experience of the loss, explore Sadness and Grief.

EXPLORE SADNESS AND GRIEF →

If the loss involves separation, family responsibilities, children, dependants, or caregiving, explore Relationships, Family and Caregiving. 

EXPLORE RELATIONSHIPS, FAMILY AND CAREGIVING →

If housing, food, utilities, or another essential need has been affected, explore Food, Housing and Essential Needs. 

EXPLORE FOOD, HOUSING AND ESSENTIAL NEEDS →

If illness, injury, disability, medication, or physical capacity is central, explore Health and Physical Capacity. 

EXPLORE HEALTH AND PHYSICAL CAPACITY →

If employment, income, benefits, debt, or financial stability has been affected, explore Money, Work and Income. 

EXPLORE MONEY, WORK AND INCOME →

If formal decisions, documents, deadlines, property, custody, benefits, or legal rights are involved, explore Legal or Institutional Pressure. 

Legal and Institutional Pressure →

If you need to begin with what you are feeling rather than the practical situation, choose What Are You Feeling Right Now?

WHAT ARE YOU FEELING RIGHT NOW? →

If you need help with a different practical situation, return to Help for Specifics.

RETURN TO HELP FOR SPECIFICS →
← HOME
Top Of Page

References

**  American Psychological Association — Grief 

Copyright © 2026 - All Rights Reserved.


This site provides educational and reflective material.
It is not a replacement for professional medical or mental health care. 

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