Death Records Now

After a person with life insurance dies, I imagine that the ins. company has various things in place. Maybe a cursory check of the circumstances, maybe some information as to the cause of death – anything that might trigger a denial of payment for excluded scenarios.

And then probably if some red flags go up, the investigation gets deeper.

However I’m noticing that to pay a little bit of money for some extra term life insurance through my employer (actually through Minnesota Life ), I’m being asked questions that are virtually impossible to answer. Example, every doctor I’ve ever visited in the past 3 years, etc. etc. etc. Stuff that I just don’t keep records of and wouldn’t even come close to being able to answer accurately. So I’m just kind of breezing through it. Example, i put down that in 1/1/2007 I had the flu, even though it might be more like twice and certainly not on 1/1 of any year.

Anyway, the point being…….. (and I have nothing major to hide from them, this is just a question about just "how picky" ins. companies are, in trying to figure out excuses to deny payment.

If I die, are they going to refer to old forms that I filled out like this Proof of Good Health, and then demand – hey – we found a record of this guy going to the doctor once, but he claimed he hadn’t gone in that year, back on his POGH form, so denying payment.

Ya know something crazy like that.

Does anyone have any true insight as to just how bad it is, in terms of ins. companies denying pmt on life ins. policies, based on really minor stuff? I would think this kind of thing would apply to most applicants, since most people really aren’t going to remember or be able to include all this crap in perfect detail. Even tho technically, the form asks for it.

The proof of death, is the official death certificate. The official CAUSE of death, is noted, on that certificate.

Insurance companies don’t try very hard to deny a claim – unless there’s a likelihood of FRAUD on the part of the insured. Policies have a two year "contestable" period, where if you die in that two years, they can investigate the truthfulness and accuracy of what you stated on your life insurance application. If they find that you lied, then they do not pay out the death benefit. For instance, if you lied about being a smoker, or if you "forgot" to mention that you have cancer.

Also during this two year period, suicide is not covered.

If it turns out you died of cancer, and neglected to mention that you’ve had chemo twice a week for the last six months, on your application, there will be a problem.

If you forgot to mention that you had the flu four years ago, not a problem.

Strep throat may have killed Mozart

NEW YORK (Reuters) – The death of composer Wolfgang Amadeus Mozart at the age of 35 may have been caused by complications stemming from strep throat, according to a Dutch study published on Monday. Since the composer’s death in 1791, there have been various theories about the cause of his untimely end, from intentional poisoning, to rheumatic fever, to trichinosis, a parasitic disease caused by eating raw or undercooked pork.

On his death certificate it was officially recorded that the cause of death was hitziges Frieselfieber, or "heated miliary fever," referring to a rash that looks like millet seeds.

But researchers from the University of Amsterdam in the Netherlands said studies on his death have generally been based on less-than-reliable evidence, like accounts from people who witnessed Mozart’s final days, written decades after his death.

Their new study, reported in the Annals of Internal Medicine, was based on information from official death registers for Vienna in the winter of 1791 that places Mozart’s death in a wider context. He died in Vienna.

"Our findings suggest that Mozart fell victim to an epidemic of strep throat infection that was contracted by many Viennese people in Mozart’s month of death, and that Mozart was one of several persons in that epidemic that developed a deadly kidney complication," researcher Richard Zegers, of the University of Amsterdam in the Netherlands, told Reuters Health.

Zegers and his colleagues said this "minor epidemic" of step throat, or streptococcal pharyngitis, may have begun in the city’s military hospital.

According to witness accounts, Mozart fell ill with an "inflammatory fever," which is consistent with strep throat, Zegers and his colleagues wrote in their report.

The composer, who wrote more than 600 works during his life, eventually developed severe swelling, "malaise," back pain and a rash, consistent with a strep infection leading to kidney inflammation known as glomerulonephritis.

Zegers said it was also possible that Mozart had scarlet fever, which, like strep throat, can be caused by infection with streptococcal bacteria, but this was less likely because witnesses said Mozart developed a rash near the end of his illness and with scarlet fever, the rash appears early on.

Another theory, might be likely, might not be. Streptococcal infection, rheumatic fever, tuberculosis, rubella, smallpox…. among the many estimated variants. I’m much more interested in his music than his death!