My cousin and his wife separated a couple years ago. I don't know their current legal status or plans. Last year at this time, my cousin was living in an apartment on his own; I sent him a Christmas card, and I sent a separate one to the kids and their mom, who were still living in the family home.
A few months ago my cousin moved back into the family home and is living in the basement. I gather this was because he couldn't afford to have his own apartment (not necessarily indicating any reconciliation). And I'm wondering what to do about the Christmas card this year.
A couple years ago, when they were still together, I wrote "the Smith family" on the envelope. Then, inside the card, I wrote everyone's first name--"Bob, Betty, Sammy, Susie." I don't really write notes inside the cards so putting people's names on is how I personalize them.
Obviously this family has more to worry about than my Christmas card, but I would like to find a solution that would (likely) cause them the least awkwardness/discomfort possible. One card with all names? Two cards? One card with no names? Other things I haven't thought of yet?