<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Core pages -->
  <url>
    <loc>https://cutadrift.org/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/when-someone-dies/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/when-you-get-a-diagnosis/</loc>
    <lastmod>2026-06-18</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/when-someone-cant-manage/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/privacy/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/terms/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>

  <!-- Country guide index pages -->
  <url>
    <loc>https://cutadrift.org/guides-nz/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/guides-diagnosis-nz/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/guides-au/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/guides-diagnosis-au/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/guides-diagnosis-uk/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/guides-uk/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/guides-ireland/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/guides-canada/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/guides-us/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/guides-diagnosis-ie/</loc>
    <lastmod>2026-06-29</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/guides-diagnosis-us/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/guides-diagnosis-ca/</loc>
    <lastmod>2026-06-29</lastmod>
  </url>

  <!-- Canada diagnosis guides -->
  <url>
    <loc>https://cutadrift.org/what-to-do-after-a-serious-diagnosis-ca/</loc>
    <lastmod>2026-06-29</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/serious-illness-work-and-income-ca/</loc>
    <lastmod>2026-06-29</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/financial-help-serious-illness-ca/</loc>
    <lastmod>2026-06-29</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/insurance-claims-after-diagnosis-ca/</loc>
    <lastmod>2026-06-29</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/telling-people-about-your-diagnosis-ca/</loc>
    <lastmod>2026-06-29</lastmod>
  </url>

  <!-- Ireland diagnosis guides -->
  <url>
    <loc>https://cutadrift.org/what-to-do-after-a-serious-diagnosis-ie/</loc>
    <lastmod>2026-06-29</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/serious-illness-work-and-income-ie/</loc>
    <lastmod>2026-06-29</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/financial-help-serious-illness-ie/</loc>
    <lastmod>2026-06-29</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/insurance-claims-after-diagnosis-ie/</loc>
    <lastmod>2026-06-29</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/telling-people-about-your-diagnosis-ie/</loc>
    <lastmod>2026-06-29</lastmod>
  </url>

  <!-- US diagnosis guides -->
  <url>
    <loc>https://cutadrift.org/what-to-do-after-a-serious-diagnosis-us/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/serious-illness-work-and-income-us/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/financial-help-serious-illness-us/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/insurance-claims-after-diagnosis-us/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/telling-people-about-your-diagnosis-us/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>

  <!-- New Zealand guides -->
  <url>
    <loc>https://cutadrift.org/what-to-do-when-someone-dies-nz/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/how-to-apply-funeral-grant-nz/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/nz-bereavement-leave-entitlements/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/nz-surviving-spouse-benefit/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/mytrove-nz-guide/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/kiwisaver-death-claim-nz/</loc>
    <lastmod>2026-06-19</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/how-to-register-a-death-nz/</loc>
    <lastmod>2026-06-19</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/nz-probate-guide/</loc>
    <lastmod>2026-06-19</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/acc-death-benefit-nz/</loc>
    <lastmod>2026-06-19</lastmod>
  </url>

  <!-- New Zealand diagnosis guides -->
  <url>
    <loc>https://cutadrift.org/what-to-do-after-a-serious-diagnosis-nz/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/serious-illness-work-and-income-nz/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/financial-help-serious-illness-nz/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/insurance-claims-after-diagnosis-nz/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/telling-people-about-your-diagnosis-nz/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>

  <!-- Australia diagnosis guides -->
  <url>
    <loc>https://cutadrift.org/what-to-do-after-a-serious-diagnosis-au/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/serious-illness-work-and-income-au/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/financial-help-serious-illness-au/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/insurance-claims-after-diagnosis-au/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/telling-people-about-your-diagnosis-au/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>

  <!-- UK diagnosis guides -->
  <url>
    <loc>https://cutadrift.org/what-to-do-after-a-serious-diagnosis-uk/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/serious-illness-work-and-income-uk/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/financial-help-serious-illness-uk/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/insurance-claims-after-diagnosis-uk/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/telling-people-about-your-diagnosis-uk/</loc>
    <lastmod>2026-06-28</lastmod>
  </url>

  <!-- Australia guides -->
  <url>
    <loc>https://cutadrift.org/what-to-do-when-someone-dies-au/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/au-bereavement-payment/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/au-funeral-financial-assistance/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/au-bereavement-leave/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/au-notify-agencies-after-death/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>

  <!-- United Kingdom guides -->
  <url>
    <loc>https://cutadrift.org/what-to-do-when-someone-dies-uk/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/uk-bereavement-support-payment/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/uk-funeral-expenses-payment/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/uk-bereavement-leave/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/tell-us-once-uk-guide/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>

  <!-- Republic of Ireland guides -->
  <url>
    <loc>https://cutadrift.org/what-to-do-when-someone-dies-ireland/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/ireland-bereavement-payments/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/ireland-funeral-financial-assistance/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/ireland-bereavement-leave/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/ireland-notify-agencies-after-death/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>

  <!-- Canada guides -->
  <url>
    <loc>https://cutadrift.org/what-to-do-when-someone-dies-canada/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/canada-survivor-benefits/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/canada-funeral-financial-assistance/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/canada-bereavement-leave/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/canada-notify-agencies-after-death/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>

  <!-- United States guides -->
  <url>
    <loc>https://cutadrift.org/what-to-do-when-someone-dies-us/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/us-social-security-survivor-benefits/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/us-funeral-financial-assistance/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/us-bereavement-leave/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>
  <url>
    <loc>https://cutadrift.org/us-notify-agencies-after-death/</loc>
    <lastmod>2026-06-11</lastmod>
  </url>

</urlset>
