Sadly, I just went through this when my father passed away and was trying to help out my mother. People are horrible to surviving spouses during a very trying time. From the burial site trying to rip her off, "Oh, I'm sorry that grave site you pre-paid for is no longer available, here is a similar one for an extra $800" to Visa suddenly cancelling all their joint credit cards and leaving her with no $$ when she called them and tried to put the cards in just her name. They immediately cancelled all the cards and told her she would have to reapply! And they had like 80k of coverage, zero balance and excellent credit. She was having to pay for all the funeral expenses up front which were around 12k.

The whole process was horrible. She was a wreck and would just say "yes" to whatever. I ended up taking 3 weeks off work, flying out to stay with her and helping her get through all the paperwork issues. Not a fun time. And my dad was an organized guy who THOUGHT he had taken care of everything up front for her. It was still a nightmare.