After the person with life insurance dies, what do I need to do to get the death' benefits?
344372
Call the company that issued the policy.  They will send you a package with the company forms that need to be completed in order to get paid.\n\nYou will need:\n1. the policy\n2. the death certificate - ask the funeral home to provide.\n3. the insurance company forms.\n\nOnce complete, they will review and if straightforward, the insurance companies usually issue you a checkbook that is good up to the amount of the policy proceeds.  You can keep the money in this account and write checks when you need them or write one big check to yourself and deposit in your own accounts.
939734
It would be a very good idea to get hold of one of a simple guide on being an executor.  These are readily available in good book shops.\n\nThis is what you need to do as executor.\n\n1.Make sure you get plenty of copies of  the death certificate - 15 is a good working number.  You will have to show copies to banks, building societies, companies with which the deceased held shares...it goes on and on.  Many organisations will need sight of an original Death Certificate before releasing funds. Copies obtained from the Registry of Births Deaths and Marriages are regarded as 'originals' as opposed to a photocopy of the certificate.  \n  \n2.. Apply for a Grant of Probate via the nearest Probate Registry.  You may well have done this already. \n\n3.  Arrange to open a  Personal Representative's bank account. This will be used for paying in money due to the estate and any loan arranged to pay an Inheritance Tax bill and/or probate fees. This could easily be a major item if you are dealing with property. Eventually it will be used for paying out bequests under the will.  Warning: after twelve months the bank will start charging monthly fees.\n\n4. Inform all relevant persons and organisations - banks, building societies, life assurance companies, employers, local authorities, Inland Revenue, benefit agencies etc. \n\n5. Arrange for a valuation of the Estate. This will include the property, together with its contents, other personal effects, investments in savings plans, stocks and shares, life policies, building societies etc. Draw up a detailed  list of all the Testator's assets. \n\n6. Draw up a list of debts that must be paid from the proceeds of the Estate. These will include mortgages, any income and capital gains taxes, bills, credit cards, loans and overdrafts. \n\n7. Complete the forms required by the Inland Revenue Capital Taxes Office so that it can be established whether any Inheritance Tax is due.\n\n8. Complete the probate forms and send or take them to the Probate Office along with the original Will, the death certificate and the Inland Revenue account.\n\n9. Provided that the case is fairly straightforward, an appointment will be made for the personal representative to 'swear the papers' within about 5 - 6 weeks of receipt at the Probate Office \n\n10. When Inheritance Tax is due the Executor's account of the Estate is passed to the Inland Revenue and the Grant of Probate cannot be issued until the tax is paid. There will be circumstances where part of the Estate has to be sold to pay Inheritance Tax and if this is the case banks can arrange loan facilities to pay the tax straight away. \n\n11. Copies of the Grant of Probate should be sent to everyone who owes money to the Estate. You now as Executor have a legal authority to pursue any debts owing to the Estate. \n\n12. When the Grant of Probate is received, the Estate can be divided according to the terms of the Will. The Executor must prepare and sign accounts showing who has received what from the distribution. They must be able to show that they acted in accordance with the terms of the  Will in case there is any dissent from the family of the deceased. \n\n13. All papers, including the Grant of Probate and the accounts must be stored safely for a period of 12 years.\n\n\nAs you can see, it all takes quite a long time and you will certainly need to instruct a solicitor for the conveyancing.
664322
A couple of things.  You dont need multiple policies, one will do.  The policies allow you to designate beneficiaries, and also you are able to designate percentages to each.\n\nIf you want to control how the money is used, have a trust setup so that if you died, the insurance proceeds would go to the trust and the trust would distribute proceeds according to your pre-established desire. You pick who you want to be the trustee of the money...someone you trust would spend money according to your wishes..it could be a friend, family member, or outside independent source.\n\nThat would keep the money out of everyone's hands.
413361
HIPAA does not end when someone dies. A law doesn't end when someone it affects dies. Any power of attorney or living will or health care proxy ends on the principal's death.\n\nAfter that, it depends on state law, and I don't know what state he died in.\n\nChances are the hospital is correct: you need some legal standing beyond being his widow. If his estate is not being probated, or you are not the executor under his will or the administrator if he died intestate, you may need to petition to be appointed. I assume you want the records for some potential claim, in which case you should see a local attorney.
1100042
If you know the county they lived in and the name, approximate age you can contact the county courts system they should have a death certificate on file or you can go thru the social security office for deaths as well.  Good Luck to you.
688390
Death Grant\nDeath Grant is usually paid on the\ndeath of a person who has\ncontributed to the Social Security\nScheme. However under certain\ncircumstances a non-contributory\ngrant can be paid. Please refer to\nPart 5 for further information.\nFor a grant to be paid, certain\nconditions have to be met. These\nare set out in Part 3 of this leaflet.\nDeath Grant may also be paid on\nthe death of a person who was\nunder 21, and was in full-time\neducation or training, or was\ndisabled. Here it is paid on the\ncontribution record of a parent, or\nanother person who was wholly or\nmainly maintaining them at the time\nof their death.\nAmount of the grant\nThe amount is reviewed every year\non 1st October and is published in\nthe leaflet entitled, Contributions\nLevels and Benefit Rates (SSD31).\nPeople who can be paid a Death\nGrant\n• If the person who has died left a\nWill, or if letters of\nadministration are being taken\nout, the grant is usually paid to\nthe executors or administrators.\n• If there is no executor or\nadministrator, payment is made\nto the person responsible for the\nfuneral expenses.\n• If the person who is responsible\nfor funeral expenses receives a\nDeath Grant, he or she is\nentitled to recover from the\ndeceased person’s estate only\nthose funeral expenses not\ncovered by the Death Grant.\n• If there is no funeral or where,\nfor example, the cost is met by\none of the Services or a burial\nsociety, the grant can be paid to\nthe next of kin.\nHow and when to claim\nYou must claim within six months of\nthe date of death. Delay in claiming\ncould mean that the grant will be\nlost.\nIf you think you may be entitled to\nclaim, call into the Department\nbringing the following documents if\npossible.\n• the death certificate;\n• the deceased’s Social Security\nregistration card;\n• the deceased’s marriage\ncertificate, if the person was\nmarried;\n• any pension order books or\ncheques from the Department,\nor any other Social Security\nauthority, which relate to the\ndeceased;\n• the undertaker’s account or\nestimate if your claim is based\non, or will be based on funeral\nexpenses.\nPlease do not delay in claiming.\nEven if you do not have these\ndocuments, our staff will be glad\nto help you to fill in the claim\nform.\nIf you cannot call into the\nDepartment, write to the\nDepartment asking for a claim form.\nGive as much of the following\ninformation as you can:\n• your full name;\n• your address;\n• your Social Security number;\n• your relationship to the\ndeceased\nWe will also require similar\ninformation about the deceased:\n• full name;\n• last address;\n• Social Security number;\n• date of death\nThe decision on your claim\nIf you are not satisfied with the\ndecision, you may be able to\nchallenge it. We will explain your\nrights when we give you our\ndecision.\nHow Death Grant is paid\nThe usual method is by a cheque\nwhich must be passed through a\nbank account.\nPart Two\nClaiming and paying Death Grant\nO f f e r i n g S u p p o r t , O p p o r t u n i t y & S e r v i c e\nO f f e r i n g S u p p o r t , O p p o r t u n i t y & S e r v i c e\nClaims\nClaims can be based on the\ncontributions of the person who has\ndied. However it is also possible for\nthe claim to be based on the\ncontributions of a spouse.\nIn the case of a person who was\nover 16 but under 21, and in fulltime\neducation or training, we could\nuse the parent’s contributions. This\nwould apply to a person who was\nwholly or mainly maintaining the\ndeceased person when they died.\nIf the claim is based on the\ncontributions of the person who has\ndied, the relevant quarter is:\na) Two quarters before the quarter\nin which the person died; or\nb) two quarters before the quarter\nin which they reached pension\nage, if this is earlier than (a)\nIf the claim is based on the\ncontributions of some other person,\nthe ‘relevant quarter’ is:\na) Two quarters before the quarter\nin which the
196831
Was the spouse on Social Security? He/she may have been enitiled to Medicare benefits and you can send bills there to get paid. You may be eligible for surviving parents benefits if you have a child of deceased in your care.  Also depending on your age, you may be eligible for widow/ers benefits. Go to SSA.Gov for informtion. If you spouse was working contact the HR office at their place of work. Good Luck!
230414
Contact your local law authorities,...as I'm SURE they'd appreciate your interest in doing the right thing.  Having health insurance and a life insurance policy might not be a bad idea either.
836911
Wills need to be filed with the county when someone dies.  Im sure if you called the main county number, they can direct you!\n\nGood luck!
769335
I used to be a bill collector.  Although you can't be held responsible for accounts your name weren't on, they can still try and collect from you.  If they do, send them a copy of the death certificate along with a "Notice to Quit" stating that your name was not on the account, you're not paying it and you don't want them to contact you again.  Make sure it's sent certified or with delievery confirmation and keep a copy.
92388
I'm sorry to hear that. Did he just pass away? I'll copy this from a book I have on checklists for everything:\n1) Call a close friend or family member to help you.\n2) Find out is he had already made final arrangements.\n3) Decide about the funeral. The body can remain as is for 72 hours, so you have time to decide on your choices.\n4) If you need to relocate the body before burial plans are finalized, you can ask for a temporary storage at a funeral home. Make sure you indicate the funeral director that you might have a different option of funeral home. You can do that.\n5) Inform friends and family about service after details are finalized.\n6) Keep careful track of the original death certificate. You'll need it. Make a ton of copies.\n7) Decide on an obituary and where it should appear.\nTake care.
627668
First, you need to send proof that the policy owner is dead.\nThen checks will be send out within 7 days.
519626
Well, if you are talking about life insurance, after 2 years you can commit suicide and they'll have to honor the policy and pay out the death benefit.  Before that however, they're off the hook and just have to give back any cash value that may have built up in the policy.\n\nI don't know of any health insurance in the US that will pay for doctor-assisted suicide (even in a foreign country), but it's possible that people who have received prescriptions for lethal doses of medications or who just hoarde their medications until they have enough to kill themselves would be able to collect any prescrition drug benefits and doctor visit co-pays.\n\nIf you mean insurance for the person assisting in the suicide, you may have malpractice insurance cover the cost of a family's lawsuit if you are a doctor/nurse/healthcare provider and pretend to have had no knowledge that your actions would lead to your patient's death.\n\nAlternately if you are assisting in the suicide and you mean you need insurance to cover your or your family's living expenses while you are in jail for murder, I doubt there is any.\n\nOr if you are assisting and are worried about being sued for every dime you have, it's possible that an umbrella policy would cover you if for instance, the person died on your property or you killed that person by running him over. But you'll want to read the fine print before you do that...
951294
For the most part you will have to mail a copy of the death certificate to each creditor. If he had insurance through his company, the HR department should be your starting point there. If he had any supplemental insurance, then the only way you find that is by going through his personal files.
1164963
My husband died unexpectedly 3 weeks ago, without a will. I realize this is a brother but it works the same way.\n\nYou need to go to surrogate court.\n Fill out the form for a executor for small estate (as long as the estate is under $20,000).\n You must list all his assets, property and debts. \nThe filing fee is $1.\n In about 2 weeks (for me) you will get a official copy stating you are the executor of the estate. \nYou must liquefy all assets, pay off all debts starting with his funeral expenses. \nOnce that is paid, you pay off any credit cards or bills he has. After that is done, the remaining monies are distributed to his heirs. \n\nSurrogate court will be very happy to answer any of your questions but...they will not give out legal advice.
268946
While he is still alive, can't without his permission.  Any information involving insurance between the insurance company and your Dad is confidential.  If you are trying to make plans for when he passes away I would either speak to him about it or talk to whoever is going to be the executor of his estate.
516404
In life insurance policies, beneficiaries are usually listed in them to see who gets them. Life insurance companies usually distribute it evenly between beneficiaries. So you may still have your fair portion of the death benefit sitting with the insurance company.\n\nIf you are the owner of the life policy, you have the right to view it and see how much cash value is sitting in there. Your sister should not have it since it does not belong to her. You may obtain a court order to take it from her OR you can call the insurance company to find out how much cash value you have in there. There are two things you can do to access your cash value: 1) You can borrow it and pay it back later with interests 2) You can surrender your policy and take all the cash value (surrender charges may apply). Please note: If no one has been paying for your life insurance, it may have already lapse and you are probably not covered anymore. (life insurance are never paid up. Something must keep it enforce, so the insurance company will usually access your cash value to pay it until it hits zero).\n\nTo obtain a copy of your dad's life policy, he should have it somewhere in the home. If you can't find it, then you should call the life insurance company and ask your questions.\n\nIn any case, it is best that you get a lawyer since this is a family issue.