life insurance ?

[bubbleprincessmom]

My husbands birth father just passed away and we've discovered that he left an "accidental death" policy in our name. The doctor has ruled that his death was "complications resulting from a broken hip" that was a result of a fall in a parking lot. The doctor says that makes it an "accidental" death. Has anyone had experince actually collecting on such policies? Is it a complicated, time consuming process? DH was NOT close to his dad, the man drank his family away and DH has had little to do with him over the years. In fact it was only a couple of months ago that his dad contacted him asking him to assume "power of attorney" and thats when DH started to see abit more of him. Anyway, maybe this is his way of "making up" to DH by at least leaving him with this policy. We'll never know.

 

[janette]

It shouldn't be too bad of a process. I've never filed but do work in the industry but not in claims. Contact the claims department of the company that holds the policy and they will help you through the process.

 

[paras4ri]

How old was he when he died? Many times accidental death provisions are only valid to age 60 or 65 or 70.

 

[Melrosgirl]

It should be as simple as filling out a form, getting it notarized and sending it in.

hth

 

[bubbleprincessmom]

This was a policy that was purchased within the last couple of years so I don't think age would be a factor. He was only 62, just lots of years of hard drinking made him much older before his time. He had been in the hospital since he fell in October, never went home after the fall, one complication after another until it ended today.

 

[Pin Wizard]

I'm sure the insurance company will want a death certificate signed by a physician stating what the cause of death was. This was required when I collected on DH's insurance.

 

[DVC-Don]

Contact the company. They will probably send a claim form and want an original death certificate and an obituary from a paper.