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I'm sorry for the crisis you are facing, having just been through it myself! You have my prayers for you and Mom..
You may have gathered all the Important Papers already, but if not, or if Mom did not prepare any, try to find out from Mom or from any papers you might be able to find some of her wishes for care and for the funeral.
What you do is make sure you get death certificates as you will need to send these in with claim forms. You call Social Security and any pensions to report the death. They will be very kind and offer their condolences and tell you about when payments are stopped, if any might need recouped, etc. You can call the insurance company on the policy and they will also generally be helpful and send you forms and give you some instruction also. If you are executor, read any instructions there might be to you from the Will, have copies ready for banks so you can wrap up bills, reimbursements she may be due, etc. with her account. If you can get online access for her account it will be a huge help; technically you shoudl not do that unless you are POA. However, POA ends at death and then you have to be Executor and/or Trustee if assets are in a trust. You can find a lot of information by Googling "what to do when someone dies." Sometimes there is a lot, sometimes not so much if there has been a lot of pre-planning. It can be very overhwelming and yet at times it is awfully good to have something tangible to do - somehow it makes you feel better, whether its a distraction from the full force of grief or just lets you feel useful and not quite as helpless...
Just to add to vstefans, get at least 10 death certificates.
Almost every institution (bank, insurance, etc.) that you will be dealing with will require an ORIGINAL of the death certificate to be sent (and doesn't get returned) in order to pay OR in order to cease collection on a debt.. So think about how many you'll need and add 3 to that number. Good luck and stay positive.
Both posts above are excellent information. It's a lot easier (and less expensive) to request multiple death certificates initially, than to have to order more at a later time; so definitely order quite a few extra. The funeral director will assist you in that also. Yes, the insurance companies, social security, pensions, etc. are all extremely helpful in assisting you through the process. Also you say that mom is in poor health and can pass at any time. Is she coherent now? If she is and doesn't have a Living will or Do Not Resisitate Order - get them done now! Is Mom home or in a facility now? They can help you with those papers. If she's at home and does not have those papers, go to a local hospital or rehab center, or on-line and get those forms. They will need to be witnessed when she signs and her doctor will have to sign the DNR form along with mom - if those in fact are her wishes. Believe me having those forms takes a lot of pressure and guilt away from you, when having to make decisions. I needed both with my mom - which she had filled out thank God. What health concerns is mom going through now - you state she may pass at any time. I was told that 3 years ago with my mom - that she could pass at any time - when she was in the hospital and then she amazed all doctors and went back to live at home alone - doing everything for herself. 2 years later she fell and broke a hip - did great through surgery - but over 4 months developed numerous health concerns and doctors called me and told me she wouldn't make it through the night - and then 2 days later was being released from the hospital to go back to rehab - that happened numerous times. Again amazing all the doctors and nurses. Talk about miracles!!! She then developed a hole in her colon and had poisons shutting down her organs and body. It was then that I needed the living will. Just trying to tell you that you never know when they are going to die! That's God's decision and I saw it with my mom.
Your question was related to your being the beneficiary of the life insurance policy.
If the insurance policy is your mother's only asset I would imagine she intended for it to cover her funeral expenses. Unless she has already taken care of that. That is the only thing I can think of that you may be morally responsible for.
Nothing other than paying upfront for her funeral. Call a funeral home and see if you can assign the policy to them if you don't have burial funds.
The death certificate is issued after the funeral/burial/cremation by the county within 30 days in my case. The funeral home in most cases notifies social security of the death and the VA too.
Thank you for your answer We have the Funeral arrangment in place Plus I have a DNR also in place for both my mom and I. I'm trying to stay right on top of everything that has to be done, I also have all the paper work done and it has been in place for the last 5 years or so. mrjess5
To echo an earlier response, you said you are a beneficiary of an insurance policy. As such you have no legal requirements to do anything with respect to your mom or her estate after she passes.
You may have a "verbal agreement" with your mom that your are going to do one thing or another with the money you will get from the insurance policy. If so, that is not enforceable, and you can do with the money what you and your mom discussed or not. Bottom line is if mom named you beneficiary of the insurance policy the money is yours to do with as you choose, and you have no other legal obligations.
My mom is quite ill. She doesn't have enough life insurance even for a decent cremation. I am her POA, so is it possible for me to purchase burial insurance for her? If so where do I start?
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
You may have gathered all the Important Papers already, but if not, or if Mom did not prepare any, try to find out from Mom or from any papers you might be able to find some of her wishes for care and for the funeral.
What you do is make sure you get death certificates as you will need to send these in with claim forms. You call Social Security and any pensions to report the death. They will be very kind and offer their condolences and tell you about when payments are stopped, if any might need recouped, etc. You can call the insurance company on the policy and they will also generally be helpful and send you forms and give you some instruction also. If you are executor, read any instructions there might be to you from the Will, have copies ready for banks so you can wrap up bills, reimbursements she may be due, etc. with her account. If you can get online access for her account it will be a huge help; technically you shoudl not do that unless you are POA. However, POA ends at death and then you have to be Executor and/or Trustee if assets are in a trust. You can find a lot of information by Googling "what to do when someone dies." Sometimes there is a lot, sometimes not so much if there has been a lot of pre-planning. It can be very overhwelming and yet at times it is awfully good to have something tangible to do - somehow it makes you feel better, whether its a distraction from the full force of grief or just lets you feel useful and not quite as helpless...
hugs
Almost every institution (bank, insurance, etc.) that you will be dealing with will require an ORIGINAL of the death certificate to be sent (and doesn't get returned) in order to pay OR in order to cease collection on a debt.. So think about how many you'll need and add 3 to that number. Good luck and stay positive.
If the insurance policy is your mother's only asset I would imagine she intended for it to cover her funeral expenses. Unless she has already taken care of that.
That is the only thing I can think of that you may be morally responsible for.
Nothing other than paying upfront for her funeral. Call a funeral home and see if you can assign the policy to them if you don't have burial funds.
The death certificate is issued after the funeral/burial/cremation by the county within 30 days in my case. The funeral home in most cases notifies social security of the death and the VA too.
You may have a "verbal agreement" with your mom that your are going to do one thing or another with the money you will get from the insurance policy. If so, that is not enforceable, and you can do with the money what you and your mom discussed or not. Bottom line is if mom named you beneficiary of the insurance policy the money is yours to do with as you choose, and you have no other legal obligations.
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