Yes, there are various benefits and support services available for families facing the loss of a spouse. Here are some resources that may be helpful:

1. **Grief Counseling and Support Groups**: Many communities offer grief counseling services and support groups specifically for individuals who have lost a spouse. These services provide emotional support, guidance, and resources to help individuals cope with the grieving process and adjust to life after the loss of a spouse.

2. **Financial Assistance Programs**: Government agencies, nonprofit organizations, and charitable foundations may offer financial assistance programs to help families facing financial challenges after the death of a spouse. These programs may provide assistance with funeral expenses, housing costs, utilities, medical bills, or other essential needs.

3. **Social Security Survivor Benefits**: Surviving spouses and dependent children may be eligible for Social Security survivor benefits based on the deceased spouse's earnings record. These benefits can provide financial support to help cover living expenses, including housing costs, after the death of a spouse.

4. **Employee Assistance Programs (EAPs)**: Many employers offer employee assistance programs (EAPs) that provide support services to employees and their families, including counseling, financial planning, legal assistance, and referrals to community resources. These programs can help families navigate the challenges of loss and connect them with appropriate support services.

5. **Nonprofit Organizations**: There are many nonprofit organizations that provide support and resources to families facing the loss of a spouse. These organizations may offer counseling, educational programs, financial assistance, support groups, or other services tailored to the needs of bereaved families.

6. **Religious and Community Organizations**: Religious institutions, community centers, and local charities may offer support services, counseling, and assistance programs for families dealing with the loss of a spouse. These organizations often provide a network of caring individuals and resources to help families during difficult times.

7. **Legal Assistance**: Surviving spouses may benefit from consulting with an attorney who specializes in estate planning, probate law, or family law to understand their legal rights and options after the death of a spouse. Legal assistance can help ensure that the surviving spouse's interests are protected and that they receive any benefits or entitlements they are entitled to under the law.

Overall, there are many benefits and support services available to help families cope with the loss of a spouse and navigate the challenges of bereavement. It's important for families to reach out for support, access available resources, and connect with others who can provide assistance and understanding during this difficult time.

Here are some options for families who are struggling with an underwater mortgage :

 Continue to make payments to increase equity in the home.

 Refinance a government-backed loan.

Work with the lender to modify the loan.

Sell the home in a short sale.

 Deed in lieu of foreclosure.

 File for bankruptcy.

 Foreclose on the home.