My boyfriend's mother passed and we have two kids together before she passed. She took her life ins. Plan through her ST job and split it for both of them and I have never heard anything and I have never gotten a return call. When I call the office it was a total of about $35,000
To get anywhere you will likely need a policy number. But lacking that, I would try calling her employer's HR department and tell them you have a death claim to report on a former employee who was insured under a life insurance policy purchased through the employer. It would help if you had her social security number.
Unfortunately If she was no longer employed by the company at the time of her death, the policy may not have been in effect at the time of her death...it depends on how much time elapsed between her employment and her death and/or what type of plan it was. If it was term life insurance and she died more than a year after leaving the company, chances are the coverage was not in effect
First, I'm sorry to hear of your loss. There are a few potential concerns…was the mother in law employed at the time of her passing? In some situations, individuals don’t maintain or aren’t allowed to maintain coverage at the end of employment. Assuming the coverage was inforce, do you know the name of the company providing the life insurance? If so, you can call the claims department and process a death claim for your children…this will require a death certificate. If you do not know the name of the life insurance company, reach out to her employers HR department to see if they can give you the policy details! Best wishes.
All other the other answers are good. The only thing I might add is if you feel like you are getting no where you might call the Insurance Commissioners office in your state and ask for help. They may be able to assist you.
The insurance company is under no obligation to call you. If you know the company she worked for, you can call the HR and find out which company they used for their life insurance and call them. Some HR departments will help you some wont. Once you know which company has issued the policy, you have to contact them. Because your children are under the age of majority in CT, the insurance company wont issue a check directly to them. They will have their own procedure on how to handle the claim. This is a good example why it pays to have a life insurance agent who is near you and experienced in your state law and procedures.