It can come as a significant shock if your beloved spouse passes away before you have had the opportunity to address a solo financial plan, and yet this happens to far too many widows and widowers every single day. Developing a financial plan in advance of the death of a spouse is important for protecting your best interests whenever possible. 
Most people who are married plan for their future with a spouse, not without one. But your decision to plan for a contingency could prove instrumental if something happens to your spouse suddenly.
A recent study, for example, found that more than half of widows did not have a plan for what would happen if either one of the parties to the marriage suddenly passed away. And the majority of retirees who are married share that did not have enough financial preparation to retire on their own if their spouse passed away.
Both members of a couple should consult with an estate planning lawyer to discuss spousal estate plans.
Getting help from a trusted and competent advisor is essential and putting together estate planning documents that address the vast majority of your concerns is important as well. An elder law attorney and an estate planning attorney can tell you more about how the documents you currently have and strategies currently in use, such as the reliance on a trust, can help you to articulate short and long-term plans. You may need to address whether or not you have enough life insurance. It is critical to get the necessary amount of insurance in case of a premature or unexpected death. A financial professional can determine through several different methods, whether or not you have enough life insurance, including an analysis of financial needs, capital retention or human life. The bottom line is that you need to understand what financial resources are available to you and how you may be eligible to tap into these if something were to happen to you or your spouse suddenly. Scheduling a consultation with a knowledgeable elder lawyer is the first step.