HELPING 90.000 CITIZENS NAVIGATE THROUGH COMPLEX TAX OBLIGATIONS DURING GRIEF.

HELPING 90.000 CITIZENS NAVIGATE THROUGH COMPLEX TAX OBLIGATIONS DURING GRIEF.

Role

UX / Service designer

Team

Core team of 8

Timeline

10 weeks

Status

Live · built after my involvement

Services

DESIGN THINKING

RESEARCH

STRATEGIC

STAKEHOLDER MANAGEMENT

Overview

Around 90,000 people a year who lose a partner have to settle their benefits with the Benefits Agency (Toeslagen). The letters were written to be legally compliant, not understood, and didn’t match what the Tax Office sent. For someone grieving, one letter could mean weeks of anxiety.

21

internal and external reports

10

interviews with citizens

17

stakeholders

3

concepts

01

Context

10 weeks, 17 stakeholders

• Constraints

A fully remote process

A core team of eight worked remotely during the pandemic, daily in Webex and Miro.

17 stakeholders

One shared goal, seen through different responsibilities: process, policy, legal, channels and service delivery.

02

Role

Research as a duo / Designing solo

With one other service designer, I ran and synthesised the research, facilitated the concept workshop and aligned 17 stakeholders. We came up with the concepts as a team; I designed all of them, offline and online, and prototyped the final solution.

FULLY RESPONSIBLE FOR

I decided

Personas and customer journeys

Designs for all offline and online concepts

Design and prototype of the final solution

Not responsible for

Data analysis for the Benefits Agency

Whether and when to implement

03

Research

Two findings shaped every decision

I based the concepts on 21 internal and external reports and 5 interviews with bereaved citizens.

Key findings

Fear blocked action more than the rules did.

Citizens didn't know where they were in the process, and one wrong field felt like the start of a fine.

Needs varied widely.

One person wanted digital support within a week; another needed months, and a phone call.

CONCEPT WORKSHOP

We distilled the findings into five needs, written from the citizen’s side.

01

I need step-by-step instructions to handle my affairs properly.

02

I feel overwhelmed, and the Benefits Agency shows little empathy.

03

I can’t find the information, so I can’t do what’s expected of me.

04

I don’t know how to calculate what applies to my situation.

05

Letters from the Tax Office and the Benefits Agency don’t match.

04

Concepts

No average bereaved citizen

My first instinct was one concept for the average bereaved person: easier to explain, sell and build. A colleague in the core team challenged that: I was designing for an imagined average user.

• Decision

Three concepts instead of one, for every part of the journey.

• The principles

One task per screen, plain language instead of legal phrasing, and the next step always visible.

01.

The Open Card

A card without an envelope, sent with the condolence letter.

• Answers this problem

→

• What changes for the citizen

Letters end up unopened at the bottom of the pile.

→

No envelope, so it’s read with the condolence letter.

They miss what’s expected of them.

→

Four routes to help: in person, at the counter, by phone or online.

Mail alone doesn’t feel like being heard.

→

Three of the four routes lead to a person who listens.

Solution 1

02.

Condolence first

A first letter that explains what’s expected, before the formal notice.

• Answers this problem

→

• What changes for the citizen

The formal notice arrives without warning.

→

This letter arrives first.

The tone is stark, with no acknowledgement of the loss.

→

It opens with condolences before asking for anything.

It’s unclear who does what.

→

What the agency adjusts automatically, and what you report yourself.

Solution 2

03.

My checklist

A personal checklist of what’s done and what’s left.

• Answers this problem

→

• What changes for the citizen

No idea where to start.

→

Only the steps that apply to your situation.

People lose track.

→

Every open action, with instructions.

No confirmation that information arrived.

→

You see what has been received and processed.

Solution 3

Final solution

All three concepts went into the final report. We built one into a working prototype, the checklist, because it could carry the strongest parts of the other two.

• Why this solution

→

• What carries over

The Open Card raised questions about privacy and call capacity.

→

Its core stays: help offered early, with contact options at every step.

The first letter needed an income calculation that wasn’t possible yet.

→

The checklist links to the calculation aid instead.

Checklist prototype for surviving relatives: one step at a time, each step checked off once it’s done

Checklist prototype for surviving relatives: one step at a time, each step checked off once it’s done

Checklist prototype for surviving relatives: one step at a time, each step checked off once it’s done

Trade-offs

• Digital first: citizens who aren’t digitally skilled still rely on the letter and the help channels.

• The income question stayed open: asking for the new income earlier made sense on paper, but was too much during grief, so we chose better guidance.

05

Impact

Tested with the people it was for

In the test with 5 bereaved citizens, participants could say without help where they were in the process and what came next. Those who preferred to call found the contact option in the step where they needed it.

• 4 of 5 citizens

reported less stress with the prototype in the second interview round.

Reported less stress with the prototype in the second interview round.

• 3 of 5 citizens

said they could complete the process without calling customer service.

Said they could complete the process without calling customer service.

• Handed over

Realisation points and 18 further ideas, ranked by customer value and complexity, linked to Mijn toeslagen and the organisation-wide checklist for bereaved citizens.

• 4 of 5 citizens

reported less stress with the prototype in the second interview round.

• 3 of 5 citizens

said they could complete the process without calling customer service.

• Handed over

Realisation points and 18 further ideas, ranked by customer value and complexity, linked to Mijn toeslagen and the organisation-wide checklist for bereaved citizens.

06

Reflection

Empathy is an interface decision

The biggest wins came from removing fear, not adding features: a clearer sentence, a visible next step, reassurance at the right moment. In a government service, that is design work, not tone of voice.

• Key learnings

The question you’re given is rarely the one to answer

The brief asked for a clearer process; the real problem was trust.

Design for the range, not the average

My first instinct was one concept for an average bereaved person. Being challenged on that led to three concepts, and to a checklist that adapts to each situation.

A handover has to carry the intent

Building it was Toeslagen’s call, so I ranked 18 further ideas by customer value and complexity, to make the reasoning outlast my involvement.