I am settling my father's estate and there is a draft for an insurance premium. I have no knowledge of this account and no there is no other identifying information on the automatic draft. I called a couple of companies with a similar name and they say it is not the correct company. How can I find out where this is coming from?
Thank you!
Best wishes!
I had a small burial policy on momma and they kept billing me after she died and i had already collected the money to bury her. I was contacted by the company wanting to know why my payment was late.
Mom’s Long Term Care Insurance quit withdrawing premiums when they started paying benefits for her stay in the nursing home. The Supplemental RX Insurance stopped withdrawing premiums immediately—I did not have to notify them of her death.
Mom’s life insurance and health insurance companies did withdraw premiums from her personal checking account for a couple of months until they were notified by me that she had died. I had to send a copy of the “Letters of Personal Representative”, a “Certified” copy of the death certificate and complete a form that the insurance company(s) sent to me. Any premiums withdrawn after my Mom’s death have been reimbursed and deposited into her ESTATE Account.
Keep copies of ALL “Notification of Death” forms that you complete and return to a company as proof that you have completed the required paperwork.
Because my Mom had two farms, I will have to keep her Estate “Open” until I receive all of the Federal Farm Program payments for this year and because I sold the 2018 harvest during 2019 which means “the Estate” has to pay income taxes for 2019.
Some reasons for NOT completing a death certificate are:
an unattended death from natural causes;
the decedent may not have seen the physician for several months;
the physician may have been providing treatment for stable, conditions that posed no apparent immediate threat to the patient’s life (hypertension, diabetes, etc.); or, the physician may simply feel he or she has no exact idea why the patient died.
If you run into this issue with a loved one’s death certificate, you must look up your state’s law on finalizing death certificates. Many states have a 10 day limit on how long a death certificate can go unsigned. Then you have to notify the State Medical Board that a death certificate has NOT been issued.
You need to order 10-12 certified copies of the death certificate with the imprinted seal as insurance companies, credit card companies, some cell phone companies, and any company that your loved one has an account with may request a "Certified" copy.
The funeral home usually contacts the Social Security Administration about the person's death. If your loved one is STILL receiving SS payments, you need to contact the Social Security Administration office closest to you and notify them of your Father's death. They may require a Certified death certificate if the funeral home did not contact them.
I would contact the medical examiner and find out how you get a death certificate.
If it is some ignorant doctor not doing the required thing then I would call the media and ask them to help expose this jerk. I would also call him and explain that it has been a month and if you don't have a legal death certificate within 48 hours you will be filing a complaint with the AMA and have the media investigate how many other families have gone through unnecessary hell because he won't do his job.
I am shocked that the funeral home hasn't done it's job of ensuring that a death certificate is created. I would be on their phone line as well, no one wants that kind of publicity, "Local doctor and funeral home causing grief at the hardest stage for families, no death certificate."
Be a squeaky wheel and get a death certificate. Order a dozen, it is easier than getting them from the court house.
This did not happen when my mom passed. In fact the doctor signed the death certificate July 4, after probably hospital notify him that funeral home picked her up July 3. With that out of the way, he could then submit his invoices to be paid.
Money talks, so if your dad's medical bills are Paid in Full, the doctor probably tend to take his time signing since he's not making any money from it.
I'm sorry for your loss and yet the stress continues. Best of luck to you.
You need a bank officer to do this & you’ll need your Letters Testamentary naming you Executor to get bank to do. As the Letters gives you legal ability to do this. The form will kinda be like a fraud inquiry form.
If the auto draft is new..... like it hasn’t been there in his bank statement for years, for same amount, same date, I’d be concerned that it’s spanking new fraud. I’ve been Executor x 3 and it’s a whole vast new ripe for the picking world now for after death “bills” & “debts”. Once they die, SSA does a retired SS# list & it’s way waaaay way kinda easy to find out other data once you have the SS#. If it’s fraud, be on the lookout for other stuff to surface. Scammers quite clever.
If its for real & life insurance, you then know who to send your beneficiary payout request to!
if it’s health insurance, that gets cancelled and premiums hopefully refunded. Crappy health insurance co. may have it that you have to notify them in writing within a set timeframe of death to get any premium back paid after death.