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.

i have custody of my younger brother and i recieve a check from social security for him through my dad, i just received a letter in the mail that his check will be going up becasue a person who was also receives benifits has been removed, no longer recieving any benifits, the only 2 receiving benifits are my brother and dad, dould this mean he died??? he is a alcholic and a homless man so how could i find out? are death records public in ohio??? i really need to find out
im still getting a check its just bigger now and he is only 16, my dad tho is 68 im so confused

don’t jump to conclusions, see if you get a check next month. but you can go
find out from social security.
that is good your brother
is living with you, your a
good sister.
your story is sad, but find out SSA should be able to help.

apply for help and he
will continue his checks.

Mom died intestate back in 1998, down here in Florida . I have been on record as being the title holder to the house ever since — even tho her estate never went thru Probate.

A recent title search resulted in a failure to establish the "chain of title" from Mom to myself.

Since Mom’s death the taxes have been paid by me; the mortgage is in my name; the deed on record shows that I am entitled to the property and has been on record since 1998.

My options so far appear to be either proceed with a "Summary Administration" in the Probate Court; or, to file a "Quiet Title Action".

Do I have any other options ?; and what would be the best choice to entitle me to the property?

Avoid a quiet title action if you can. Failure to establish a chain just means the property hasn’t cleared probate and the estate hasn’t resolved her interest; but if the deed of record shows you as an owner, this is just a continuing probate problem and her estate needs to be resolved; at which point if you were in title as joint tenants her death certificate will resolve the issue.

Probate court; but get an atty opinion.