How to split insurance with a deceased person?
Posted By: Interesting! on 2009-03-06
In Reply to: I do not understand why the money went exclusively - Jan
My brother was dead. First I knew nothing of the insurance money. They got in touch with me. They gave me half and spent a year trying to find the children (2) of my deceased brother. After a year and they could not locate, they got in touch with me again and sent me the remainder. Any more questions?
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Why was the insurance to go to your deceased
brother's children? Was there a stipulation somewhere? Don't know everything about all the ins and outs, but beneficiaries listed on life insurance, CDs, etc. take precedence over a will. You can Google it. Unless there was some language 'if a child predeceases me, that child's shares of such and such will be equally divided between his/her surviving children and this is intended to supercede any listed beneficiaries on life insurance, etc. that may not have been changed on such' in the will, then I would think you would be the only beneficiary left anyway, and even if that language was in a will, still very difficult to override documented beneficiaries on that kind of stuff in a will. That is why it is SO important to be sure beneficiaries on life insurance, CDs, etc. are correct and updated if you want to spare people confusion and grief after you're gone.
You should have split the insurance money with hour stepbrother's WIFE AND CHILDREN...
they are the legal heirs, AND COME IN FIRST PLACE, EVEN BEFORE YOU!
Yes, 2 of them split.
NM
Unfortunately, Nancy is deceased. nm
x
The family of the deceased...
I have a strange question. To be quite honest, I have experienced very little death throughout my life. I know as I get older that will change, but I have been to 2 funerals. We recently had a very close friend die in a traumatic accident. He was 45 and left behind 5 children. The obituary states that "contributions can be made to the church." Where do these contributions go? Do they go to the family? toward funeral expenses?
Also, does anyone have any tips of what I can do for the family? I know sending cards is a good thing. Should I send one to each of the children as well as the wife? what about his siblings and parents? I live fairly far away from this family now and will not be able to make it back "home" for the funeral and I feel that I must do something! I would appreciate any suggestions.
Thanks in advance.
No sisters, 1 brother deceased, just me
NM
Remember they are doing split custody, they might - sm
be with daddy right now, either way though you are right. She can get away with it now that they are little and have no clue what she is doing, but if she continues on this way they will catch on eventually.
I loooove my split keyboard!!!!!!
okay it is official. I looooooooooove my split keyboard!!!!!! Now that I am used to the difference it is so much easier to type and it doesn't hurt my wrists! I just wanted to exclaim to the world that I totally love my keyboard!!! (i know i'm a dork)
Second marriage. We split bills. I don't
xx
Try sleeping with a wrist split first.
It might just do the trick and it's cheaper than paying a doctor.
I also work a split shift.
I stay in my pajamas as long as I can. After work I chill and then do whatever chores around the house, and then take a shower and make myself somewhat "presentable" by the time everybody gets home.
My deceased husband visits in dreams and
I am remarried, to one of his best friends.
I might add that grandparents on paternal side are deceased so
only ones around are mine but that doesn't seem to matter to them.
Reminds me of a story about my deceased husband
We had his grandchildren staying at our home and what a handful, 3 of them, ages 13, 8 and 10. The 10 year old was acting out and threatened to call the police on his g'father (my hubby) when the g'father had done nothing for him to say that. The g'father told him go ahead but he would make the kid wish 1000 times he had never picked up the phone to call in the first place. That seemed to work pretty well as the kid just looked at the phone and did not make that call.
Hi, NightOwl, We can split, you take the larger one, I take the smaller ones! LOL...nm
nm
um, what about deceased hubby family and $millions she was fighting for?
nm
Married good friend of my deceased husband
I knew him for over 30 years and yet didn't know him. He is very quiet, reserved, shy and when husband died called after 12 days to invite me to the zoo- I had no idea he had ever seen me to tell the truth. Bottom line months later he told me had loved me since the first day he saw me and "just waited."
split time between home and grandparent's farm
When I got divorced, I left my home town and moved 1000 miles away. Stayed there 2-1/2 years, came back to my home town's neighboring state for 3 years, but back to the neighboring state that was 1000 miles away again...
now I'm back in my home town.
I moved to several different areas in those locales during that time, so I actually moved a total of 9 times in 7 years. I am sick of moving my king size bedroom, but I will probably move again next year, just a mile or so away though. I hope it's the last move!
The fair thing would be to share it and split the prize - sm
good karma and all that. I try to do that though, I have had more bad than good lately. I am expecting a refund of an overcharge today in my account, bank informed me yesterday that the store (7-11) appeared to be refunding in full all four purchases I made on a particular day ( I am disputing 3 charges and only 1 of them partially as I did owe some of the money). If they do refund all I will end up with an extra $120. So if that ends up being the case I will do something with half of that to benefit someone else whether it be a school fundraiser, the local Goodwill, a charity I like to donate to, etc. I try to balance it all out, plus it is nice to be able to help others when you can.
Her mother is a selfish woman who wants nothing but her deceased daughter's money....
she was booed at her daugther's funeral because she tried to stop the whole thing, once again, while they were in the procession of going to the chapel...she is a horrid woman as far as i am concerned...i feel bad that she lost her daugther and grandson but other than that she can crawl back under the rock that she came out of...
My now deceased husband brought his friend home, now my hubby
Was it love at first sight? Not for me but years later after the death of the previous one, my now husband (he never married, no kids) told me he had loved me from the very first day he saw me. I did not even know he saw me. We are talking 30 more years and the weight, well I will just leave at the 30+ years.
twins nor triplets would be born at same minute. must be split personality, LOL! nm
;
Split up what you have and stagger the pieces, play with it, add some glass, and/or start
s
Are you a night person or a morning person?
Just curious . . .
It probably varies from person to person (sm)
With me, first child I was out of the bed seriously within 5 minutes of having him. I didn't tear or have to be cut, he was 7 pounds, 3 ounces. The doctor did some type of vaginal massage on me though while I was in labor and that was supposed to help loosen the vaginal wall?
Second child, same experience. She was 8 pounds, 1 ounce and within 5 minutes of having her, while they took her to the nursery to get cleaned up and all, I walked downstairs with my husband to the cafeteria to get a drink and stretch my legs. I had already put my regular clothes back on as well. My doctor who delivered her was walking in my room as I was walking in and he was stunned a second and said he thought I was a visitor, LOL, not the patient.
I don't think you have to have bed rest in normal cases. With my son I went home within 24 hours with him and with my daughter we went home in only 20 hours.
insurance
I live in Upstate NY and I am an IC also. I found the best way to go (cheapest) is to join a local Chamber of Commerce and buy a plan through them. They can offer you the best price for health insurance at group rates. You have to pay an annual fee to the Chamber so that's the only snag, and it pays to check out different Chambers because each one is different with some being cheaper than others.
need help with car insurance -
Have had State Farm since I was 16 - my house is also State Farm. Just found out that almost 2 years ago my now 23-year-old daughter who still lives with me got a DUI. State Farm is dropping us both. My record is very good - one tiny accident (hit a pot hole and had to have new aluminum wheel) in over 13 years. If she could live on her own on her salary I would make her - but she can't. She doesn't drive my car - I think I have asked her to get gas for me on a couple of occasions - and when we go on vacation she might take a turn. Any ideas? What will insurance cost me now - any good companies to go with? HELPPPPPP!!!
car insurance
I have a teenage daughter on my car insurance (thankfully neither of us have ever had an accident). If you're over 50, you can join AARP and then you're eligible for discount insurance through the Hartford. They saved me about $60.00 a month over any other insurance I had previously. If you meet the age requirements, look into it.
insurance
My son had a DUI and the ins was going to cancel us but they said if I only insured myself and my son showed proof of other ins that they'd keep me. Could this work for you?? Just a thought...
PIP INSURANCE
Everyone who lives in Florida should be aware that the PIP insurance as we know it is soon to expire on 10/1/07. Please go to the web site http://www.wpbf.com/index.html. In the center, scroll down a little in the middle is a survery that asks Do you think personal injury protection (PIP) should be eliminated? Please go on line and vote NO. Send this email to everyone you know. We want hundreds of votes.
Also, please send a letter to Governor Charlie Crist,o to Speaker Marco Rubio and Senate President Ken Pruitt. You can find their email addresses on MyFlorida.com. It is very important that they add this to their agenda on 6/12/07 for their special session.
Thanks for your help.
Insurance...
I agree with not being able to do that. I cannot get on my boyfriend's insurance because we aren't married but maybe it's state specific or company specific. If they are allowing gay/lesbian couples to ensure their significant others, then allowing ex-spouses or bf/gf to be insured by the other may be possible.
Insurance
Did you start a claim with the existing insurance? This happened to me, I had to do the cobra until my husband's new insurance kicked in, and they accepted the pregnancy not problem. I would call your current carrier and ask curiously. Some insurances dont have a problem as long as there was no gap without insureance. It so happened that the new insurance picked us up in just 30 days and we only paided the cobra for one month. I think when it comes to pregnancy, pre-existing does not apply, as long as there was no gap. Check it out. It was awhile ago for me.
Insurance sm
It sounds like you're a great friend and neighbor!
Our neighbor never gave us their insurance information. Our situation is a different because in addition to physical scars, our daughter has emotional scars from this dog bite that will take a long time to recover from.
I did some research on the dog bite law. Sometimes insurance companies will cancel the homeowners policy if there is a dog bite on the property. If they don't cancel it, the insurance premium will increase by a lot. I think this is why they didn't try to go through the insurance company and thought we would accept this small check.
We believed them when they said they would take care of everything. I guess we're just too nice! 
but you do have insurance, it's the same
I didn't have a job, even though I do. It's lying. It's fraud.
Pet Insurance
I have some pet insurance. It is $17 a month for each dog. I figure, for $200 a year, if the dog lives to be 15 that would be a total of $3000 over the life of the dog. Which can be less than the cost of a single operation.
So I got the insurance. Andy had a minor surgery (removal of keratocanthoma) that came to $600, including $200 to have his teeth cleaned (not covered). After the deductible I got a check from the company for $300. I was pretty happy with that.
insurance
Does insurance cover any of the cost for implaints or dentures?
no insurance
I just got my teeth cleaned and you just call the office and tell them you are uninsured and they offer you a much cheaper rate, they charged me 75 bucks.
how did this become an insurance debate???
I posted simply to relieve some stress and anxiety...sheesh! THANK YOU to the sincere posters expressing their sympathy...to the rest of y'all who turned MY post into a petty debate... !!!
Health Insurance
Does anyone know where I can get family coverage? I live in NY and I am taking an IC position. Thanks
Homeowners insurance ? (sm)
I'm wondering if anyone has heard of this happening. My niece spilled a small bit of bleach on her carpeting, about the size of a baseball. The spot is in my brother and SILs living room. There is also a small spot going up their stairs. So, they called the place where they got their carpeting (about 3 years ago) to see if there was anyway they could fix it, and they informed them that the homeowners insurance would cover this and that since the carpeting is wall to wall, they should be able to get the entire house re-carpeted. Does anyone know if homeowners will really pay to have your entire house re-carpeted just for a small bleach spot? If so, I am going to call about our kitchen floor that has a large scratch on it from our table!!
Those *studies* were done by insurance --sm
companies who do not want to pay for the workers' comp cases and people that have gotten it. Just another *scam study* so they don't have to pay...just like the Katrina thing...where flooding caused by the hurricane is not covered because it is flooding.
My son's insurance would not pay for Nexium (sm)
but it would pay for Protonix (none of the others worked anymore - Zantac, Pepcid, Prilosec). He has GERD and Barrett's. Anyway, he has been taking the Protonix for about 3 years now, and it is still working great! He never had to go on the Nexium. But I guess each person might be different.
Health insurance, so not sure.
My copay is the normal amount though, so it may not be too expensive. Our more expensive drugs will have a higher copay. You might see if your doctor has samples, just to see if it will work for you.
This is w/o health insurance either - sm
though ours is cheap (but very, very good). We only pay $140 a month for 4 of us. Of course just about every few months (if not every) something unexpected crops up too, car repair, etc.
insurance scam
this girl is looking for more than just medical expenses, trust me. Same thing, went to hospital and had x-rays, nothing wrong, then all of the sudden, couldn't hardly walk. How do I go about this with absolutely no one knowing it's me who is turning her in?
Insurance Scam
Usually, I am the type of person to pretty much tell you what's on my mind, but hubby doesn't really want me to say anything to her because he is good friends with her hubby and figures if I upset her, then he has to stand by her and that'll end their relationship. With me, it's what you see is what you get and I tell it like it is, maybe that's why this is bothering me so much. I always mind my own business too, but for some reason this is just bothering me more than I should allow. I am fearful of her even coming to our home, falling and getting hurt, then suing us; or even having her in my vehicles now because of what I am seeing - a woman I thought I knew but now see this dark side. She is figuring on going to court if they don't give her what she/lawyer wants and I already told her "not to count on me to testify in her behalf" because I totally am in disagreement with what she is doing". She said nothing to that comment. Hubby figures no way she'll get what she is expecting due to no surgery and it's just a strain, but I have seen people fall in sh__ and come out smelling like a rose, and she is one of them. I agree with other poster, she has turned in all claims to private insurance so maybe they'll check into that. They already asked to access past medical records and lawyer said no, that it has nothing to do with this, but that was early on right after accident. I am not afraid to say something to her, I am just not sure if I should, especially since my hubby really doesn't want me to. He cannot even stand her anymore and they used to be fairly close and tease each other as being bf and gf; that's how close we were. Also, secretary is my neighbor - go figure. We just leave that subject alone when together. I don't know what I am going to do, if anything, and I think you are right, I just need to address this issue directly with her because it's not in my nature to talk behind someone's back like this. I only have 1 face and do not particularly like myself for talking about her like this, though until now, I have only talked about it with my hubby. Thanks for all your advice.
Homeowner's insurance
Just a heads up depending on where you live in the NE. I live on Cape Cod and the insurance companies have almost all pulled out of this area because supposedly we are due for a big one some day. Even though I live 7 miles from the ocean, my company dropped me, and I had to go on the state-sponsored insurance program. My insurance is now $2000 on a $350,000 home with a $2500 deductible which does not include wind damage. That has a different deductible based on percentage of damage, maybe 1%? Can't remember right now. It's not that expensive compared to Florida, but we haven't even bit hit by a big hurricane. They just think we MIGHT be some day.
So you are saying you do not like insurance companies????
![Belly](http://smileys.smileycentral.com/cat/4/4_1_219.gif")
Medicare is first insurance
Any of the insurance plans I have seen only go to age 65 even if you are working. They might work hand in hand with Medicare as your supplement but this is often expensive unles your employer continues to pay for it. They will use Medicare as the primary and your other insurance as the secondary.
We pay nothing on Hubs insurance
so then this is next year for me although retirement age not actually until 67 for me. Drats- was wanting to stay on his PPO, no cost to us and really good covering all. I have until March of next year to contact them now.
I have hepatitis C and my insurance is thru him (nm)
x
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