Other Insurance Claim Types

 Post Other Insurance Claim Types Question (below)

Have a question about other insurance claim types (Life, Health, Travel, Gap, etc.)? Post it here for our contributors to answer. Questions under 100 words are more likely to receive an answer.

A friend recently called me to ask why his life insurance company adjuster asked him to return any original hard copy of the life insurance policy on his wife, who had recently died from brain cancer.

I guess I should not have been surprised considering my comments on the Insurance Policy Forms and Endorsements page of this website, which discusses why insurance companies don’t want policy holders to have their policy to read when a large claim is made.

My friend went on to tell me that when he told the insurance adjuster that he would not return his “original” copy, but that he would make a copy to send in, the adjuster told him not to bother if he would not give back the “original” copy!

Shortly afterwards, an attorney, who defends life insurance companies, advised me that this was just the beginning of a long drawn out process, in which the insurer would attempt to avoid the claim. While the insurer certainly has a right to investigate the claim for things such as pre existing conditions not disclosed, it is sad that such tactics as were used on my friend are probably just the tip of the iceberg.

Please share your stories and questions on this and other insurance claims types with us here.

123 Responses to “Other Insurance Claim Types”

  1. September 28th, 2008 at 3:20 pm #nancy

    What about travel insurance? My foster son has been having horrible sensory problems and is in a study at the University and would not be able to tolorate flying in a plane. We have cancelled our trip ( other family memeber going has to have hip replacement) and we got all these forms and confused by it all. With Dr. sign off will we get some of our money back or will they fight this all the way?

  2. September 29th, 2008 at 1:44 am #admin

    Hello Nancy,

    Are you saying you had to cancel a flight because of a medical emergency and you are making a claim to the airline to refund the ticket cost? If so, all I know about this is that I have heard that some airlines will give a discount or a free flight to go to a funeral if you provide a copy of a death certificate.

    Normally “travel insurance” is something you pay extra for when you buy a travel ticket, and it does refund the ticket money if you have a medical problem. Did you buy travel insurance?

    I’d also think that if they sent you claim forms to fill out that maybe you do have the insurance. That’s good. Let your doctor fill in the form and see what happens.

  3. November 28th, 2009 at 5:42 pm #Sandy

    Golden Eagle! do they pay out claims quickly? I was injured at a place of bussiness, this month went to emergency very bad! Tec Shot,two A/B’s I don’t wont an atty but! was told by the Ins Company I don’t need one it will just make the case go slower.

    I have all the med records, that I got from Hospital and my Doc info bill, I have wage lost that was submitted also.

    Question, I would like to have this close before Xmas, do you think this will happen?

  4. November 29th, 2009 at 6:38 pm #admin

    If you want it closed before Christmas, you will probably get low-balled. If you want the most money, you should get a lawyer and wait a year if necessary for your money.

  5. January 6th, 2010 at 5:18 pm #charles gookin

    i have a homeowners 2 policy with a personal property endorsement for
    my camera equipment.this endorsement is an inland marine coverage im-206 (09-08) on christmas morning i loaded my car to visit my son and his
    children i placed my camera bag on the ground behind my car and went back into my house to check for additionl items and forgot the camera
    equipment.i then returned to my car and backed over the camera equipment doing $8,520 damage.
    all equipment was scheduled and there is no deductable.i insured this way under the understanding that i was insured for all risk and replacement cost.
    the insurance company is elling me that the loss is to be determined at time of loss and actional cash value.

    i would appreciate your comments.

    thank you

    charles gookin

  6. January 8th, 2010 at 1:42 am #admin

    You will need to read the endorsement for yourself. While it may be excusable not to read your main HO2 policy book word for word, I think most courts would expect you to read a 1 page endorsement to confirm your expectations at the time you purchased the endorsement. Not all personal property floaters read exactly the same for all companies.

    FYI, even most HO3 policies pay acv on contents unless you get an RCV endorsement. So thats all the more reason to read your camera endorsement before a claim.

  7. June 12th, 2010 at 7:17 am #Joe

    Dear Admin

    Iam a UK citizen with a DBA policy provided by ESIS ACE. I have a spinal injury which occurred whilst protecting USACE in Iraq 2007 and am currently being paid monthly by them as well as my medical bills taken care of by Esis.

    My problem is that they will not release a copy of my policy with them. The company I worked for will also not release a copy. I feel it is very strange to have a policy and not know what’s in it. I do not know what my future holds as the insurance company are holding all of the cards as well as my life in their hands.

    Your advice would be much appreciated.

    Many thanks

  8. June 13th, 2010 at 11:02 pm #admin

    contact your government agency that regulates insurance companies and read the regulations for yourself. if they say you are not the policy holder, but you paid the premiums, you or your lawyer should look for case law that gives you policyholder rights.

  9. October 6th, 2010 at 10:06 am #Owen Bell

    i always make sure that we have adequate travel insurance when going out for a vacation.`,

  10. April 13th, 2011 at 5:22 pm #Kelda Fontenot

    I have a question about a Renters insurance claim. My claim was made due to water damage resulting from condensation on my floors since there was a structural problem with the house (which has since been fixed). At first, I was told this qualified under my poicy, and an adjuster came out and did a partial inspection, asking me to email him further photos. He said again that this was covered under our policy. I was mailed a letter stating that my claim was denied because the extent of damage was under my deductible, but that was it. He explained that was not final, the claim would be ammended by the photos and quotes I was sending him, and not to worry.
    However, now that he has all the information he needs, and the total is more, my adjuster tells me that this kind of water damage is not covered in my policy. How can the rules change like that, when I have in writing that the only reason the claim was initally denied was for being under the deductible?
    Any insight would be appreciated. Thanks!

  11. May 31st, 2011 at 7:53 pm #matt

    Dear Admin – I had a piece of jewelry insured on a rider with an appraisal of $3800; the jewelry was lost and the insurance company said they could replace it for $2700 + tax and just cut me a check.

    Can I fight this as I have been paying for years based on $3800 but they say jewelry appraisals are over-inflated? I’m not trying to pull a fast one here but feel if I cash the check I’ll be conceding my case…

  12. July 27th, 2011 at 7:26 am #TIM

    Dear Admin, was wandering if it is legal to have a must work 30 hours a week to be eligible for benefits clause in a credit disability policy. I don’t think it would be relevant in this kind of policy due to the fact that the term of policy and the maximum monthly benefit are already determined when i signed contract agreement on automobile loan.It seems that it would belong in a employer/employee group policy,STD/LTD policy so they could calculate the amount of monthly benefit of loss of wages. Would appreciate it if you could answer that question. Just got denied benefits because of that exclusion clause.Thanks for your help.

  13. July 27th, 2011 at 10:51 am #admin

    Don’t know. Perhaps Jason or someone else here knows. BTW, if something is real important and its not clear in the policy, get the agent to fax you a note ahead of time saying what wil happen if there is a claim.

  14. August 3rd, 2011 at 3:59 pm #Jason

    I don’t see why it’s not ok to have that requirement in the policy. It’s an agreement and if they want the covered claims for only the people that work over 30 hours per week, then that is what it is. I assume you didn’t work 30 hours per week. If you entered this contract, then you should have a copy of this document that you signed. Were you able to read it before you had to make a claim? If you did, then you should have known what the outcome of your claim would be even before you submitted it.

  15. August 3rd, 2011 at 4:05 pm #Jason

    The insurance company is able to buy the jewelry at wholesale prices while you as an individual purchaser have to pay retail prices. If you want that same piece of jewelry, you can get it because the insurance company will acquire it for you. If you don’t and want the cash, the cash you can get is what they would have to spend to get that piece of jewelry. Please don’t focus on the concept that you are paying premiums on $3800. You are paying premiums on that specific piece of jewelry that will cost you $3800 and will cost the insurance company $2700. Dollar amounts should be meaningless if the ring is actually something of value to you.

    If they would not have given you the cash option and just replaced the ring for you, would you even have any concern?

  16. September 14th, 2011 at 9:07 am #Kelly

    Can anyone help with some advice?! I took my son to speech therapy with a pediatrician referral. The PT dept. called my healthcare insurance and was told my son had 90 visits per year. Then they asked for the referral. I began taking him to therapy in May it is now Sept. and I got now got the co-pay bill which is fine….but when I called to pay it. I was told I had 2 other large bills waiting????? Turns out health insurance denied his speech. I was never told. They read me something about restrictions about the speech therapy that my son didn’t fall into….anyway……the insurance paid 2 of the claims?! strange….now they are denying the 3rd….and are reviewing everything?! can they deny claims that are already paid for? i am worried!!!!

  17. September 25th, 2011 at 6:38 pm #Jason

    Yes, they can deny claims that are already paid. That happens all the time.

  18. October 5th, 2011 at 5:00 pm #admin

    Dear website visitors,

    Most of our questions and answers for October 3rd and 4th were lost as a result of a malware attack on our website. In addition, some of our pages were “redirected” to malware websites. We have now incorporated stronger security measures.

    While we have no proof as to the original source of the hackers, suffice to say that this website had never experienced hacking problems until shortly after we posted the page “BOYCOTT FARMERS INSURANCE?” which exposed criminal acts by Farmer’s CEO and their Los Angeles based attorney Richard O Knapp.

  19. November 21st, 2011 at 6:16 am #Cathy Durant

    Is it illegal to use a health insurance check issued to the subscriber to pay other bills other than medical bills from the provider of services?

  20. November 21st, 2011 at 6:53 am #Jason


  21. December 1st, 2011 at 7:24 pm #admin

  22. December 1st, 2011 at 7:35 pm #Jason

    The test e-mail, testing123@yahoo.com, doesn’t open an e-mail message box for me like it’s supposed to.

  23. December 2nd, 2011 at 11:27 am #CM dahiya

    I had bought a health insurance from Seven Corners in IN. The insurance company continuesly insured me from Sept 1 2010 untill Aug 31 2011 and due to my travel it lapsed but I renewed it again on Sep 3rd 2011 with a effective date of coverage start date on Sep 4th 2011 so there was a gap of 3 days. As the luck would have it I was hospitalized due to heart complications on the night of 4th and had to stay in the hospital for 3 days and was subsequently diagnosed with Cancer which was causing the hear issues also. The insurance company denied the claim citing Pre-existing condition. I appealed and they denied that also, I am 66 year old, can you please suggest some options for me, what i can do.

    Thanks in advance for this great site and advice you provide to people.

  24. December 2nd, 2011 at 2:09 pm #Jason

    You weren’t insured when the cancer was discovered and that is needed for coverage to exist. We don’t know what to suggest.

  25. December 15th, 2011 at 9:06 am #Mom

    I had lost an insured ring over a year ago which I had no problems with my claim. I recently discovered while that a ring set (as I was taking it to update an old appraisal) is gone. My husband and I have searched everywhere, interrogating our oldest child 7 an unable to with our 2 year old. I last had the ring in my jewelry box (seen @ June) and discovered it missing early December.
    Upon initiating a claim I was treated extremely rude. I just received a call from the SIU – what do I do now? I’m not gonna be bullied by insurance people for a non-fraudulent claim!

  26. December 15th, 2011 at 9:37 am #Jason

    To Mom,
    You have a couple of choices. If you don’t want to be involved with SIU, simply withdraw your claim. That won’t look good because, regardless, this the 2nd missing ring claim you’ve had in 2 years.

    The other choice is to cooperate with SIU because that is all part of the claim process.

    You’ll have to agree that SIU is doing their job. We’re pretty sure your 7 year old does’t like the interrogation you put her though but we didn’t notice a post on here by her about how she was treated.

    It is very unlikely your 2 year old had anything to do with your missing ring. Unless you had a break-in, the ring’s misplacement can probably be attributed to you or your husband. You didn’t indicate how the interrogation of your husband went.

  27. December 28th, 2011 at 4:45 pm #Jenny

    Here’s the first scenario: You win a medical malpractice suit and receive money for future healthcare but you lose your funding (this happened recently to a quadriplegic who had invested with Bernie Madoff. Can you get coverage with another insurer even though technically you were already compensated for the health issue?

    Here’s the second scenario: You win a medical malpractice suit and receive money for future healthcare. I assume if you have received this money, you cannot submit a claim for the healthcare covered under the med malpractice suit to another insurer, even if you have coverage via your spouse through their company’s insurer. Correct? (It feels correct and morally the right thing to do. But they never ask if the health issue was a result of medical malpractice, only worker’s comp. Why is that?)

    Here’s the third scenario: You win a medical malpractice suit and receive money for future healthcare. Now you have a medical issue, which is on the “gray” area of whether it should be covered or not. Say for example, the injured person has to take medications as a result of their injury and now have a complication. It took some time for this complication to appear and it is an indirect health issue to the original claim. Can you submit that claim to another insurer? (Keep in mind, though with a medical malpractice case, the patient was still insured under the spouse’s health care plan.)

    Thanks and sorry to submit so many questions. If you are not a good resource to answer this, but knows someone who is, please let me know. I do have attorneys and they know the law, but I sense an adjuster would know how the business-side of insurance works. I understand the advice you give me is just that and I take all the risks if I use the advice or not.

  28. December 28th, 2011 at 5:54 pm #Jason

    We are going to decline addressing these scenarios. We have no idea who could best answer them for you.

  29. January 5th, 2012 at 3:59 pm #austin

    My grandfather died 10 years ago naming me the cobenificiary of a policy. It has been on hold by the insurance company until now, I am now eighteen. The policy paid my mother’s claim upon his death, so it has been “approved”. Now I am getting the run around. I have faxed all the documents, which they acknowledge. But I can’t get a straight answer from their customer service. I keep getting redirected and told they will call me. I am ready to call a lawyer. How long can they give me the run around…The insurance company is Monumental Life.

  30. January 5th, 2012 at 5:03 pm #Jason

    What kind of run-around are you getting? If they are going to call you, did you give them a reasonable amount of time to return your call? Do you know who is supposed to be calling you? Do you have this person’s number that you can call that person directly to address your concerns?

  31. January 5th, 2012 at 5:36 pm #austin

    At first they seemed helpful. They said it should only take up to 14 days to get the check because it was already approved. After 14 days they said it was in progress and would take a little longer but would be on the way soon. Then a week later I got the same response. Finally I spoke with someone that told me that it is a supplemental policy handled by another office in another department. She said she was unable to reach that department by telephone, so she sent an email to them requesting that they call me directly about the claim. A week later they said they are still waiting for them to call me, and they could not give me that phone number. They had no further information. I called back a week later and they said they would resend the email requesting them to call me. I am waiting on a phone call that may never come. I cannot call them directly. I cannot email them. I figured they wanted to wait until 2012, but I still can’t reach them.

  32. January 5th, 2012 at 5:59 pm #Jason

    It doesn’t make sense that they need to reach you by phone. What they need to do is reach you by sending you a check.

    Get on the phone with the numbers you have and request that you talk to a manager about getting your funds. If the manager can’t help you to your satisfaction, request his manager. Take a proactive approach and find out exactly what the hold up is. Ask them exactly why they need to reach you by phone instead of cutting a check to you. You might have to be a little direct with them to get some results.

    Oh, by the way, I looked at this insurance company rating of another company called Minnesota life. Minnesota’s Life’s ranking was that 48% of the people responding to a survey said they were unsatisfied of very unsatisfied with the company. For Monumental Life the same category was at 67%. Both these rankings are rather sad.

    If you can’t get the results you want from asking for a manager call the president of Monumental Life,

    Henry G. Hagan, CLU
    4333 Edgewood Road N.E.
    Cedar Rapids, IA 52499

    Let him know about your problems getting your money that has already been approved for a long time.

  33. January 11th, 2012 at 9:13 am #sandy

    I had workplace supplemental health insurance. I diagnosed with heart problems. I did not use my claim because of confusing application. Is it too late to file a claim now.

  34. January 11th, 2012 at 4:50 pm #Jason

    We don’t know. You provided no dates or years and how long ago your policy was in force and how long you have to make claims. If you want to provide some important information concerning that, we might be able to answer your question.

    But, after you find this information to post another question on here, you will already likely know the answer because we need the information you left out in order to provide the answer you seek.

  35. February 5th, 2012 at 6:25 am #Daral

    Part II of question started under Auto Insurance questions. Briefly car was demolished in windstorm. I was transporting (and this is no lie I have pictures) a 42″ Plasma Screen TV and a BIAMP 420 (an expensive piece of sound system equipment) The BIAMP was ruined and no longer works. The TV does turn on but the body and case has been severely dented and cracked as well as the screen scratched. I was in California (where I am moving) at the time but the policy is in Texas (where I rent.) I know when having a car repaired I can specify I want all damaged parts returned to me. Is this the same with Renters? In short can I keep the beat up TV for a spare room AND get the claim and payment for a new one or do I have to turn everything over and do I have to haul it back to Texas to do so? Thanks.

  36. February 5th, 2012 at 8:30 am #Jason

    When the insurance company pays for the damaged items, they technically belong to the insurance company. Sometimes it doesn’t make sense for the insurance company to take possession of an item such as it’s weight to value, it enormity, the lack of substance (80 lbs. of packaging peanuts for example), etc. If you give the adjuster a reason to keep one both the items, for a constant remember of your irresponsible accident in your bedroom that you can see every morning, (for example), he might say yeah. If he doesn’t, be prepared to offer him a few dollars for that lasting memory that will last a life time.

    Sometimes the adjuster’s automatically place a threshold of 10% for example on the damaged items just to keep things simple. If that is the case, you might not want to pay $200+ for one or both these items.

  37. February 12th, 2012 at 8:45 pm #arnold

    How much time is a moveing company allowed to resolve a damage claim?

  38. February 13th, 2012 at 7:34 am #Jason

    The question you just presented is rather vague. Moving companies generally don’t settle claims because they pass their risk to an insurance company.

  39. March 19th, 2012 at 5:19 pm #Elissa

    My husband and I are separated and will de divorced soon. I am paying for therapy for one child and myself. I filed claims for my own therapy (which I paid for), and since he is the member, the reimbursement check is sent to him. He denies that any checks have been sent, and he is keeping the checks for himself. In addition, he is filing the claims for one child’s therapy that I am paying. He is keeping those reimbursement checks as well.

    Is this fraud?

  40. March 31st, 2012 at 3:10 pm #Kelly

    A friend of mine husband mother past away a couple years ago.His father worked at General Electric Company.He had life insurance that was effictive back in Apirl 20,1970.His mom was getting checks from him dying from that company.They want to know if they can get money from his life insurance?

  41. April 6th, 2012 at 3:50 pm #Chad

    I have Gap insurance coverage. My car was deemed a total loss and the insurance payoff will cover the loan. Will I be able to get any type of payment out of the Gap insurance? Like a refund or credit of some sort.

  42. April 16th, 2012 at 8:07 am #jan

    I have not used this before and \i’m not sure if you can help..
    My ex hubby and I are borrowing a piece of land so that the local kids can ride their motor bikes in relative safety, but I want to make a health and safety letter for all of their perants to sign stating that they will ride on the field but if they fall off they will not make a claim against the person who owns the field/or us …

    Please can someone help with the wording… thanks

  43. April 16th, 2012 at 9:39 am #Jason

    The chances of being injured using a motor bike if very high. If you want a letter of this type, a lawyer would be the one to draft it but even that cannot eliminate all possible exposures you, your ex, riders, and the property owner could potentially face.

    You have to realize that an attorney can draft anything you want to pay for but if something happens not identified in the document, the attorney is not on the hook for potential problems concerning this land.

  44. April 26th, 2012 at 5:06 am #Asigurare viata pret

    Hi, Jan

    In order to make the parents sign the document, you first need to make them trust you. Before you ask them to sign anything, tell them what safety measures you take in order to avoid any accidents. Then, you can ask them to sign a peper which, by the way, will prove to be very helpful. Good luck!

  45. April 30th, 2012 at 11:39 am #ismael vazquez

    i have a question i dont have money to pay for an answer right now but im wiling to pay when i get paid my mother died when i was 12 years old she gave the life insurance policy to a friend to claim for me but it was not claimed it happened in jersey city n. j. and nobody knows the name of the company is it to late

  46. April 30th, 2012 at 11:53 am #Jason

    You will need to do some research of your mother’s paperwork and transactions to find the name of the company. If there is an in-force life insurance policy out there, it is likely not too late but you have to make a claim with the company who wrote the policy. You have to find out that insurance company before you can do that.

  47. May 2nd, 2012 at 9:42 am #Laurel

    My tooth was broken from a bone fragment in a sausage sandwich. The manufacturer verbally said that they would pay my dental expenses. I began treatment. The insurance carrier also said that they would pay. I was in treatment for about 1 1/2 years and still need more dental treatment (another tooth was injured because of my bite being off from the pulled tooth). I delayed following through with the insurance company (I’m mentally disabled and was too stress over the situation). They then denied my claim saying that the Statute of Limitations had passed. I have paid about $6000 out of my own pocket. I went through the Department of Insurance. They were sorry but couldn’t help me as I would need to be declared “under disability” in order to avoid tolling of the statute. In the letter the insurance carrier sent in their defense to the DOI, they claimed that we had a “recorded interview”, and I allegedly refused to turn over the bone fragment. I am in California, the insurance carrier is in Illinois. Both states are “two-party consent” law states. They did not have my permission to record the telephone conversation. They also misrepresented the conversation. I did not refuse to cooperate with them. They told me in that conversation that they did not need the bone fragment after all. I also turned over all of the paperwork that they required.

    Do you have any thoughts as to what I can do or what I should do. Thank you for your assistance.

  48. May 2nd, 2012 at 10:41 am #Jason

    If you are beyond the statute of limitations, there is nothing you can do.

  49. September 27th, 2012 at 5:33 pm #Andrew Van

    I had a work spine accident 8 years ago with herniation, inflection, and 5 major surgeries, and invasive other treatments and ongoing physic, and med and a new herination.

    I am able to work 50% and my insurance company has changed its policy and only now pays 25% and wishes me to work 75%. Over 12 months that has stopped paying and now only pay 25% without any evidence for the reduction.

    I contested this and attended a review meeting with the insurance doctors who refused to raise the amount and now we go to an appeal to a thirds doctor. However, I am not convinced, as the entire past medical reports and records who clearly evidence to work possible for 50%, but that’s even difficult some days. The insurance company approach is to delay all details, delay process, and make all documents and process unclear. They keep the money and cost me money. I hired a medic legal type doctor to help who explains this is the norm, but I find it a difficult situation to bear given I had paid insurance for many years and yet without evidence they refuse to pay and there is limited power to the patient and they have so far acted as judge and juror. Any ideas what I can do when I attend the next medical interview with the “independent medical expert”. This situation is so difficult to be a patient, wanting to work, but facing such barriers. I could simply stop working given the pain I suffer all day, but I love my job and career and must keep working, but the insurance company don’t understand that and I assume that I work part time (mornings when the pain is least) shows I am fit to work most of the time. Any advice welcome.

  50. September 27th, 2012 at 6:02 pm #Jason

    Find an attorney that works in the disability area. The good thing about these attorneys is they will work on a contingency basis and they collect from the insurance company when they are able to recover some benefits for you. Going at this by yourself against a disability insurance company is a guarantee that you will be denied and mistreated the entire time.

  51. October 11th, 2012 at 2:08 pm #CJ

    I work at a surgery center. We are seeing an increase in denied claims from our patient’s major medical insurance stating that the patient has an active work comp claim that was not disclosed to us. Maybe this increase is due to the fact that once unemployment benefits run out, according to the news, many are have turned to filing work comp claims. This results in reduced claim payment (work comp fee schedule much less than most major medical contracts) and also losing money on implants used in the surgery because work comp does not reimburse separately from the fee schedule for implants. If a patient is asked if they are being treated due to a workplace injury and they say no, why should the treating doctors and facilities pay the price? Is there anything we can do prior to surgery that would make the patient ultimately responsible for what I consider to be deception?

  52. October 11th, 2012 at 2:47 pm #Jason

    Probably not.

  53. January 9th, 2013 at 6:49 am #Jan

    I recently learned that I was going to need some major dental work done! The insurance lady at the doctors office called my insurance company and they came up with a balance that I would owe. I asked that they prequalify me and so she mailed it to the insurance company. In just a few weeks I got a reply that they had denied the majority of the claim even though these things plainly say in the policy are covered. How can insurance companies say they will pay for things in a policy that they have no intention of ever paying? I am a government employee and am wondering if I can take this to my union?

  54. January 9th, 2013 at 8:03 am #Jason

    Dental insurance generally covers preventative care and nothing much beyond that. You must have been concerned that most of your dental work would not be covered because you had it submitted it to your dental insurance before the work was done. It’s difficult to comment on your specific policy with the limited information you provided. If your union deals with your insurance, you might consider letting them review it.

  55. February 2nd, 2013 at 3:12 am #Shandi

    After an accident, whose responsibility is it to file a gap claim? I have been given every answer under the sun – customer, lien holder, primary insurance…does it matter what state you purchased the policy and/or had the accident? I bought the car/gap in CA, but the car was totaled in AZ…?

    Thanks 🙂

  56. February 2nd, 2013 at 6:35 am #Jason

    The person who would benefit from any type of insurance should take the lead in filing a claim.

    There probably is no restriction in the coverage regarding where the accident happens.

  57. April 22nd, 2013 at 7:56 am #judith

    can someone help me here, i took equine insurance out for my horses in 2011, my horse took ill feb 2011 to my suprise he had cataracts in both eyes and needed hospital treatment, the insurance company sent out all forms and both myself and vet filled them in, i had the horse for 4 yrs he was aged at 15yrs , i didnt know previous owners or anything about this horse, insurance forms were sent in, and what i thought going through, i became ill and moved address, now its 2013 and i have just found out insurance failed to pay out, i have contacted the insurance company and they have said its a dead case now and the claim cannot be re-opened, not only did they not pay out but my horse was put to sleep and i didnt even get the sum amount for him too, surely this cant be right .

  58. April 22nd, 2013 at 8:37 am #Jason

    There are several forms of equine insurance. I am going to assume you are talking about equine mortality insurance with some sort of limited coverage for medical expenses.

    Cataracts are a long-term developing condition and likely would be considered a pre-existing condition and not covered. If you horse was euthanized because of cataracts, the pre-existing condition is probably what disallowed the mortality portion of the policy.

    This is only speculation because the information you supplied is vague and the information provided in my post is based on assumptions of your coverage.

  59. April 22nd, 2013 at 9:15 am #judith

    sorry jason, the insurance company said they would pay for the treatment, i sent the horse away unfortunately the horse didnt pull through. i was covered for treatments and death and disposal.
    all the forms were filled in and the vets write up was also included.
    i moved address , and they said they had sent a letter out asking when did i first notice the illness, which i answered on the claim form.
    because i hadnt sent a letter stating this they closed the claim, not notifying myself and put it as a dead claim. 2 yrs have passed and i have just been told they didnt pay out. So i have asked them to re-open the claim, but they are insisting its classed as a dead claim and it cannot be re-opened. this cannot be true surely.

  60. April 22nd, 2013 at 9:42 am #Jason

    Based on the vague information you posted and the claim being over 2 years old, it is difficult to know what happened. I would suspect the condition of cataracts is an exclusionary part of your policy and the lack of a covered cause for putting the horse down did not qualify for coverage. Ask them for a letter asking for their reason for why your claim was denied.

  61. May 1st, 2013 at 7:03 am #Leisa

    I was injured in a slip in fall while on Vacation in Jamaica in January. We had just arrived at the resort and I went to use the lobby restroom and the floor was wet and I slipped and fell and broke my right humerus bone. I was treated at the emergency department and flew back home to Canada. I filed a claim within 10 days of the accident, with their insurance company, was assigned an adjuster and have been sending documents to him for almost 4 months. I have not been told that my claim has been accepted nor have I been told my claim has been rejected. What are my options and what should my next steps be? how long do they have to make a decision?

  62. May 1st, 2013 at 10:15 am #Jason

    The best advice is to ask the adjuster the questions you have. If that doesn’t get you the desired answers, you will have to consult with an attorney. This might be difficult for you unless you are able to communicate with an attorney in Jamaica.

  63. June 30th, 2014 at 3:42 pm #andree Sanborn

    Recieved notice from Prudential Life of a 20 year old life ins policy on husband who died 20 years ago. They claim it has to be settled in 30 days or it will pass. seems odd that they found me 20 years later and now there is such a short time to deal with this. Should I be concerned or just take the money?

  64. June 30th, 2014 at 6:42 pm #Jason

    There may be a statute of limitations for a life insurance policy that it must be claimed within 20 or so years.

    The insurance company may be facing notification requirements that provide you with at least 30 days.

    I would suggest you take the money. If you want to be concerned, you can also be concerned at the same time. What would you be concerned about?

  65. July 2nd, 2014 at 6:51 am #Derek

    I have health insurance with Coventry One.

    Coventry Health Care of the Carolinas, Inc.: Silver 2 $5 Copay POS Carolinas
    HealthCare System

    I was referred for a CT Scan by my doctor and it was pre-authorized for a local hospital.

    Coventry One has a health care calculator that estimated the CT Scan to $121-$451 for a “tier 1” location, and is a $0 deductible. The hospital chosen is tier 1 on Coventry Ones provider list.

    I received a bill for $1,500 (my max deductible). I call the insurance company and I am told all CT Scans must be done in stand alone facilities (even though my ct scan was pre-authorized), and that the hospital chosen was not tier 1 for my procedure.

    The customer service agent told me some procedures may be tier 1 and some tier 2 in the same hospital.

    I was told this is clearly on my summary of benefits, but I sure do not see the reference.

    Any help would be great. Thanks!

  66. July 2nd, 2014 at 5:25 pm #Jason

    I have no suggestions for you.

  67. July 2nd, 2014 at 5:32 pm #Jason

    After further thought, prepare for your health insurance and medical care to sink to knew lows from this point forward. When government has their hand in 1/6 th of the US economy by being involved in our healthcare through obamacare, the services, care, supply, and quality will continue to decline until it won’t matter whether or not you even have health insurance. Our medical care will continue to go downhill and obamacare isn’t even 20% implemented yet.

    Make sure you all support repealing every single word of obamacare.

  68. July 6th, 2014 at 7:47 pm #Declan DiNvinter

    I’m a serious 20 plus year, Drummer & Musician , I was wondering how I would go about getting my limbs , hands , feet , etc . Insured for about $200,000 dollars incase I lose the ability to play Drums by accident or any happening period , where I would lose any limb all the way to fingers or a foot . Is this possible & is it way expensive ?

  69. July 6th, 2014 at 8:25 pm #Jason

    Find an agent and talk to him about your interests. If he can’t help you, then he might be able to refer you to the right place. Way expensive is a subjective term. What may be expensive to others may not be expensive to you.

  70. July 29th, 2014 at 8:22 am #Trey

    Several years ago, I bought a supplemental Cancer Policy that pays me X amount of $, if I ever get cancer. In the policy I also added an ICU rider, that will pay me X amount if I am ever in the ICU. Back in February, my son and daughter were both in the NICU, which is covered in the ICU rider. The policy says I have to file within 60 days or whenever reasonably possible. However, I forgot that I even had an ICU rider until I was reading the insurance policy a couple of weeks ago. I have now filed a claim, but it is approx. 90 days past the 60 day filing window. Can the Insurance company deny my claim for this? It is a large claim, b/c both of my kids were in the NICU for over 30 days. Thanks.

  71. July 29th, 2014 at 6:02 pm #Jason

    You have 60 days to file a claim. If you are in a coma, for example, and cannot file it, that may get you past the 60 day requirement. Technically they could deny your claim. Will they? I don’t know.

  72. July 30th, 2014 at 4:25 am #Roger

    My mother-in-law fell and broke her ankle and has a broken toe on the other foot. After surgery and two weeks in rehab, the insurance company wants to send her home to take care of herself. The Dr says she can’t begin putting weight on her ankle for 11 more weeks and only then can start learning to walk again. She has zero ability to cook or clean until she can at least stand. She fell with two good feet and has fallen several times before. There is no way she can hop on one foot at this age (80+). How do we get the insurance company to keep her in rehab or at least provide home care? And how do we get the insurance company to be responsible if their decisions result in another accident? Thanks.

  73. July 30th, 2014 at 5:27 am #Jason

    You cannot hold the insurance company responsible for any decisions it makes. They are not responsible for your M.I.L. falling, or for her breaking any of her body parts. The only one responsible for falling is the person falling.

    If you want your MIL to remain in rehab, the insurance won’t pay for it, and you believe that is the best place for her, then your MIL’s family or you will have to pay for it. The same goes for home care. If you are concerned about her welfare and you want to avoid the extra care costs that you mentioned, you could have her move in with you.

    What I can’t understand is why she is not in a wheel chair even before she broke her feet since it appears she cannot ambulate safely anymore.

  74. September 8th, 2014 at 1:33 pm #Mike

    My wife and I had high deductible individual HSA insurance plans through Medical Mutual of Ohio beginning in 2012. In November of 2013 I had surgery on my shoulder and paid the out of pocket $5500 for 2013. The surgery did not go as planned and I had to have an MRI in March of 2014 along with other testing that resulted in me paying the $5500 out of pocket deductible for 2014. On July 1, 2014 Medical Mutual chose to cease providing health insurance coverage in Indiana. On June 1, 2014 we obtained a high deductible HSA policy with Anthem Blue Cross Blue Shield through my wife’s new employer. I am now facing another surgery and possibility of paying another $6000 out-of-pocket, which is our new deductible with Anthem. Since my deductible of $5500 was met with Medical Mutual when they stopped providing insurance in Indiana in July 2014, should that deductible be transferred to Anthem through a deductible credit report or do we have to pay it all again?

  75. September 8th, 2014 at 2:00 pm #Jason

    A deductible isn’t something that can be transferred. It is simply you paying the medical expense to the provider, up to your deductible amount. If you have a different policy, you have to meet the new deductible before they pay.

  76. October 1st, 2014 at 2:53 pm #Cherry

    I moved into storage and out again with Lanes of Bridgewater In 2008. When my belongings arrived almost all items of furniture were damaged and many items missing. The last contact I had with the insurers / underwriter was in 2010. I was subjected to years of abuse by the person I had moved 200 miles to be with, and on returning home I was extremely depressed and too unwell to work for a while. With the help of counselling and antidepressants I am now finding a new life but need to sort this issue out. I would like to know if I can still continue with the claim please.

    Many thanks.

  77. October 1st, 2014 at 2:59 pm #Jason

    With a claim that is 5-6 years, you are likely outside the timeframe to continue your claim. You won’t know unless you direct your question to the insurance company.

  78. November 3rd, 2014 at 12:42 pm #life insurance

    My Fiance had cancer, and signed his change of beneficiary form in june, but we opted to not file it until after his kids visit was over. Well he ended up in the hospital and he asked his friend to take it in for him since it was looking bad. well friend did and fiance died. and now the insurance company is saying that it was brought in after he died and so they cant change it, i know it was brought in before he died, and have 2 folks to back that, but i also cant find where it states that they have to be alive for it to be valid.. please help i am running out of time and hope
    thanks jen

  79. November 3rd, 2014 at 8:21 pm #Jason

    Your issue doesn’t seem to be an insurance concern but one of timing. You may need to consult with an attorney to address your concerns.

    I don’t see a problem since the only issue was that he was changing beneficiaries. Family will trump a finances’ position with life insurance.

    To add my 2 cents – I hope the beneficiaries were and are his children.

  80. January 21st, 2015 at 9:59 pm #Thomas

    My Father passed away in late 2013. While going through his things I found an insurance policy that was taken out in 1977 Through the North American Life insurance company. My mother and I were beneficiaries. She past away years before he did.

    The policy appeared to be paid in full up front in one lump sum, the value of the policy was $38,000. It appears to have been enforceable until he was age 70. There is an accidental death waiver on the policy that says LIFE for the amount of $5000.

    We had an autopsy done and death was deemed an accident and the medical examiner signed off to that fact on the death certificate.

    In trying to contact the Insurance company I found out they were purchased by what is now ING in 1979.

    I have contacted ING and have received nothing but the run around. I have been told the policy is to old to be in their system. Call this department, I call that department and I am referred back to first department. I have faxed and mailed copies of the policy to everyone who has requested it. I filled out forms and have never received a response from anyone at ING.

    I was told it takes 30 business days to research a policy. This started in May of 2014 and it’s now January 2015 and I have not heard from ING and no one over there seems to want to help me.

    What are my next steps? I am located in New York city. Thanks

  81. January 22nd, 2015 at 3:41 am #Jason

    Keep up your efforts to settle the claim. If you are not able to conclude the claim settlement on your own, you may need an attorney to get through the delays and buck-passing.

  82. March 10th, 2015 at 11:27 am #Leslie

    Metlife refused to honor an updated change of beneficiary on my mothers ERISA life insurance policy because they stated they only had one page of the two page form . I was paid a claim from her old policy.They requested for me to fax both copies . I later received a denial letter for the updated change of beneficiary giving me 100% of the benefit. I appealed and I received a check that is 12,000 short of the full benefit due me. I feel like they negotiated a settlement without my knowledge. This is unfair and I am ready to challenge them for the remaining balance.


  83. March 16th, 2015 at 7:18 pm #Emma Smith

    are entitled to receive a full refund for life insurance you paid on a person without their consent and or still alive.

    The insurance agent allowed you to sign the name of this person without their acknowledgement that a insurance policy had been taken out on them

  84. March 16th, 2015 at 9:57 pm #Jason

    Do you have a specific question? I don’t respond to people asking for general advice.

  85. March 16th, 2015 at 9:59 pm #Jason

    Clarify the information you provide and ask a specific question so you can expect to receive a response. I have no idea what you just posted.

  86. April 5th, 2015 at 11:47 pm #JR

    I have an accident 3 years ago. I got my settlement almost 2 years. Now,my health insurance company ask me to pay them but I am not sure I need to pay them. They never send me any bill and now they call me to pay them back. Should I trust these people? I should receive billing statement, right? I wonder how many years claim closed they can not go after me.

  87. April 6th, 2015 at 8:22 am #Jason

    Yes, everything is happening the way it should. You were injured and your health insurance company paid the bills for you that the car insurance was responsible for as those bill occurred.

    Now that the car insurance has settled their claim with you, including all the medical bills, you need to pay back your health insurance company.

    They can collect from you until the statute of limitations expires, unless they get a judgement – and in that case it is much longer.

  88. April 27th, 2015 at 1:25 pm #Eric

    Can hospitals compile multiple claims under an account number without your knowledge of the claims? I’m trying to pay birth bills and I got a statement saying I owed more than my first statement said. And hospital billing told me additional claims were added to the account and some are pending collections… But I am only aware of (by way of a billing statement) the first claim. I have seen no information regarding any other claims for my son that I have not previously paid off. Can they legally do that in the state of Ohio?

  89. April 27th, 2015 at 6:18 pm #Jason

    Billing for medical services is a common practice of any hospital. It’s not illegal at all. If you are concerned about your bill, you should call or meet with the billing area of the hospital and tell them your concerns, and have them explain suspect charges to you.

  90. June 3rd, 2015 at 12:19 pm #Jeff Richter

    an insurance company i had 3 years ago overpaid on drug co-pays in the amount of 25 dollars and are now coming after me for it, is this legal?

  91. June 3rd, 2015 at 1:32 pm #Joyce Giacchi

    Purchased life insurance when living in N.J ten years ago. Then moved to PA. Want to file claim against insurance company for misrepresenting policy details during purchase and subsequent telephone contact. What state insurance commissioner do I complain to, N.J or PA?

  92. June 3rd, 2015 at 2:44 pm #Jason

    What part of asking for a repayment of an over-payment would be considered illegal? I can’t think of anything that would make their request illegal.

  93. June 3rd, 2015 at 2:48 pm #Jason

    Neither. Complaining to insurance commissioners is a waste of time. Their only function is to make sure the insurance industry remains viable so their existence is warranted. They don’t care about insurance customer concerns.

  94. April 7th, 2016 at 10:00 am #Joe Smith


    I had a question about renters insurance. I rent a house and recently I left my kid in the tub on the second floor of the house. While I was working in the kitchen below he spilled a lot of water out of the tub so much that it wet the ceiling of the kitchen below. It resulted in a stain and some peeling of the paint.

    I have renters insurance and I am wondering if they would pay for this damage. Please advice. Any help is appreciated.


  95. April 10th, 2016 at 4:25 pm #Jason

    What you and your family do as you live in a house is expected, including wear and tear from normal activities. A child taking a bath and splashing water to some extent is an expected activity of living in a rental home. The resulting condition is seems to be wear and tear and would likely be excluded from insurance coverage.

    I don’t make your policies coverage decisions. If your landlord wanted to make a claim against your policy for any possible liability you may have, acceptance of liability can only be decided by your company’s claim adjuster after a claim investigation.

    Although there is a stain and peeling paint, it is probably considered wear and tear from a family living in a rental home and normal living activities. Your lease likely has an exception for property damage to the home that applies to your security deposit called normal wear and tear. If the stain and peeling paint are in excess of normal wear and tear, then that’s what your security deposit is for.

  96. October 15th, 2016 at 8:39 pm #jerry

    I had an er visit back in March, expected to, and paid the deductible. Problem is, on one particular bill, the insurance co. shows on the eob and claims when I called them, that the bill was paid. the provider says they never heard from the insurance. I have talked to both parties and as it stands, I can prove nothing, leaving me with having to pay this rather large bill. Question is, what can a person do in a case like this?

  97. October 15th, 2016 at 9:25 pm #Jason

    You indicate the bill is paid by the insurance company but the provider doesn’t have record of being paid. Find out who the insurance paid, what method of payment, when it was paid, and go from there. Connect the dots and you’ll find out what’s going on.

  98. December 5th, 2016 at 11:57 am #Cindy

    Have a friend whos husband passed away and she received the life Insurance and now gets a Certified letter from the Life Ins Co. that is was paid in error because there was a newer form with 3 Beneficiaries instead of her but does not look like his writing. Wouldn’t the Ins. Co know this before paying out. She had to get out of the house that she and her husband were building because in LA. it goes to the children so she used the money a yr ago to buy a house and now this comes up 1 yr later

  99. December 5th, 2016 at 4:44 pm #Jason

    No, the insurance company wouldn’t know the newer form existed until after they paid, otherwise they wouldn’t have paid.

  100. December 8th, 2016 at 4:01 pm #Ron schneider

    HowdyJason, I need help on a bad faith insurance co. Denied my claim by a paper medical review,totally bogus.accident date 10-22-15,they paid me wage loss for a short time,and I have been still off per two doctors orders with no pay,please I need your help.or just call me.320-533-1612.r.j.

  101. December 8th, 2016 at 4:11 pm #Jason

    I can address your questions on this forum or you can e-mail directly to the orange-colored e-mail address at the top of this page.

  102. December 18th, 2016 at 7:01 am #Abbie

    A friends mother signed for a life insurance policy which she thought was whole life. Money is being taken out every month for the policy. Recently she found out that the policy was term and not life. The insurance company said if she lives past 87 years, that will be the end and unless she dies before that time, then the beneficiaries will get the money. She is 82 years old and devastated because, if she lives past 87, the children will not have anything to bury her. The policy is for 100,000 and she has paid well over 72,000.00. Please advise. Thank you.

  103. December 18th, 2016 at 8:06 am #Jason

    If she lives past 87, that is a good thing because she will still be alive. If she doesn’t, and maintains the premiums, then her beneficiaries will receive the policy benefit.

    An option for her would have been to save the premium money in a savings account so she would have over $72,000. Hindsight is not always fair.

  104. January 3rd, 2017 at 12:39 pm #John Lee bass

    Hi – I am extremely ill, having been diagnosed (9-11-2015) with a life-threatening/chronic illness & disability. A major medical/dental insurance company (California) terminated my coverage on DEC 1, 2016 w/o providing me any notice/correspondence, whatsoever. I have been with this same health insurance company for 4-5 years, and I only found out that I didn’t have (any) health insurance because I presented to an emergency department (ED) on DEC 1, 2016. This same day at the ED, I was issued 6 prescriptions (Rx), only to find out the ED visit and all Rx were denied because of “lack of coverage”. During NOV 2016 I paid my DEC 2016 premium payment (in advance of course), and I have all receipts of all payments. I have had multiple (at least 4, with documented case reference numbers) telephone calls with COVERED CALIFORNIA & the insurance company. On DEC 30, 2016 I received notice from COVERED CALIFORNIA that I was reinstated but I went 30 days w/o coverage and I was current in my premium payments, so I was denied access to my much needed, recently issued Rx.

    1) Does an insurance company have to notify me of termination of coverage?; 2) How is it legal an insurance company terminated my medical coverage after they received payment from me?; 3) What is my recourse going w/o health insurance coverage for 30 days, having been denied all Rx and denied ED visit’s “bill”, but the insurance company reinstates me on the last day of the month which I already paid?

    Thank you very much for your help –
    John Lee Bass
    Santa Barbara, CA

  105. January 3rd, 2017 at 6:04 pm #Jason

    1. Your insurance company is required to notify you if your policy is terminated by cancellation or non-renewal, which are an actions initiated by the insurance company. If you don’t pay your premium when due, you technically are giving your insurance company notice that you don’t want to continue the insurance. That is appears to be what happened in your case.

    2. I don’t address legal questions.

    3. Get it worked out with your insurance coverage since you have all your documents of payment.

  106. February 8th, 2017 at 3:40 pm #Nicole Davis

    I would like to get life insurance for my mom Because She is 72 and The only one left in my family. I am very confused on what would be best for her since she wants to make sure That Me ( Her daughter ) and grandkids will be taken care of. I am wondering which type is the best to get that pays out the full benefit , Even if she passes 2 months after She gets the insurance. She has no assets , No will , Her health is ok Non smoker , Minor diabetes , High blood pressure And still works full time. Can I get advice on what some good average monthly costs are for a female non smoker Born In 1945 and Wants it tax free for us. Please lead me in the right direction To get this done and setup asap We have lost 7 family members in 2 years. Any personal experiences or references will help as well.

  107. February 8th, 2017 at 4:28 pm #Jason

    There are basically 2 kinds of life insurance, one is whole life and the other is term life. At this point, you may want to find an agent who sells life insurance and discuss your wants and desires with him/her. Since your mother works, she may have life insurance available through her employer. Many times, life insurance through an employer doesn’t require a physical prior to coverage since it is through a group employer plan.

    One of many sites such as clark (dot) com/how-shop-term-life-insurance is where you may want to start your research. You can research what approximate monthly costs will be.

    A life insurance may have a probation period after coverage starts of about 1-2 year so make sure you know if she passes in 2 months if the benefit will be payable.

  108. November 7th, 2017 at 8:38 am #Jennifer

    My father has had a life insurance policy since 1983 and was also the owner of the policy until 2015 when my mother made changes that he was not aware of. She claimed my dad was diagnosed with Dementia and used that to her advantage. She passed away in February and after going through paperwork we discovered that she signed over my dad’s car, the trailer they purchased and lived in together and ownership of his life insurance policy to my brother. The premiums for this policy have been paid, for the last 10 years, by my dad’s disability insurance and my brother has never paid a dime towards this. My brother previously had POA for my father but this has been revoked. We called the insurance company to alert them and start a process to reverse the changes but have had no response. My brother has recently taken the POA to the bank and withdrawn my dads money (which was returned after he provided the revocation document) and I believe he is using the POA with the life insurance company so they will not speak to my dad believing he has Dementia. 10 days after my mom died, my brother gave my dad a 30 day notice to move out of the trailer stating the reason as ” You refuse to admit that I am the owner” and there is a current restraining order against my brother after several police interventions. He also used his mental health POA to put my dad in the hospital but he was released and a state Adult Protection employee reported that my dad is capable of taking care of himself and does not need any assistance. Are there any laws to help him get the policy out of my brothers name?

  109. November 7th, 2017 at 3:43 pm #Jason

    The insurance policy owner can change the name of the insured relating to the life insurance policy, and that function is left to that person only, not other people who are not part of that relationship.

    No laws are needed for that simple contractual act between the policy owner and the insurance company.

    Can someone other than the policy owner make those changes? No other person has standing between the policy owner and the insurance company agreement so technically, no. Why would you want to remove a beneficiary from a life insurance policy that seems to have been what your mother wanted?

    You say the POA was revoked, but by whom? Who has the restraining order against your brother? You are vague about many of the details in your post.

  110. November 8th, 2017 at 4:00 am #Jennifer

    The restraining order is to protect my father from my brother. My mom was more concerned with my brothers well being then my dads and it caused a lot of tension. When my mom knew she was dying she went behind my dads back and did things to make sure that my brother would be taken care of since he hadn’t worked for over 10 years and she had been his only source of income for the last 5 years (signed over the home, car and insurance policy to my brother) and even wrote a letter to my brother stating my dad would die without her anyway so he didn’t need to worry. Two days after she died my dad asked him about $5000 that was taken from my mom’s account and he pushed my dad down the front steps, police came and told my brother to leave. Two days after that my brother gave my dad a 30-day notice to leave the house stating he was the owner and showed the titles to prove it. He pulled an old POA from 2013 that was revoked early this year and went to the bank and emptied my dad’s account and called Adult Protection Services stating he was unable to care for himself but refused to accept help. They did their investigation and closed the case after several visits that proved otherwise. Now it’s back to threats of eviction every other day and bragging about he owns the policy and there’s nothing anyone can do about it The policy has available loans up to $75000. and if my brother takes that as well and evicts my dad, he will have no way to get another home on his social security alone. I hate that this is happening to him and feel like there’s got to be a way to dispute the transfers of property without his knowledge or consent. There is a lot more but I think that at least gives you a little more information about what’s going on.

  111. November 8th, 2017 at 5:35 pm #Jason

    It appears your mom wanted your brother to have some things and one of those things was the life insurance policy. The policy has been given away and there are no take-backs to give it to someone else. The only way the life insurance policy can have a new owner is for your brother to assign it to someone else.

    I assume your folks were married. If you mother did the things she did, she did those things as an authorized representative of the marriage (for both she and her husband). Can only one party of a marriage conduct acts or business on behalf of either or both the husband and wife? Absolutely.

    You can hate what is happening all you want. What has been done has been done and there is nothing that can be done at this point to change it.

  112. November 9th, 2017 at 8:27 am #Jennifer

    She gave away something that wasn’t hers in a fraudulent manner. The problem I have with your answers is a clear lack of compassion and realization that what was done was done without my dad’s knowledge. So, is it legal and moral to forge a signature to transfer property to another person who has no rights to that property, ABSOLUTELY. My dad worked hard every day of his life while watching his son sit on the couch doing nothing but feed an opiate addiction, also at my dad’s expense. Thankfully, I spoke with an attorney locally who has experience in this situation and this is not only a case of fraud but also Elder Abuse and that has very serious consequences where we live. Reading your responses makes me lose a little more faith for a change in the world. Greed is the root of all evil and even if your opinion and advice in this situation was correct, you could have had a little compassion in your response for a fellow human being who has been robbed of his entire life after almost 50 years of marriage by a woman he sat next to and took care of for a solid month while she was dying.

    “The world is an evil place. Not because of those who do evil, but those who watch evil and do nothing about it”. What they did to him was evil and I will not stand by and do nothing about it because “whats done cannot be undone”. If you take something that’s not yours, you need to give it back…..one of the first “life lessons” we learn as children and sadly lost on many adults. Good day sir.

  113. November 9th, 2017 at 3:38 pm #Jason

    Your mother gave away something she was legally entitled to give away in a perfectly legal manner. The problem with my answer is that it is accurate, correct, and devoid of errors and you don’t like it because it doesn’t benefit your position. I can’t say this enough – you don’t have a position in the matter. You can think it’s unfair all you want. That doesn’t matter. It is perfectly legal and you have no control over it.

    You assert “forge” without any proof. If your mother wants to give away property, she can do it and doesn’t need to forge anyone’s signature. I dismiss your fruitless claim of forge.

    You talked to an attorney who provided you free and irrelevant information because the attorney told you what you wanted to hear. Your claim of elder abuse will fall on deaf ears when no elder abuse has occurred. You have not mentioned any relevant elder abuse. There is nothing improper or incorrect about what your brother did if he did it in good faith if he believed your father needs help. You have provided no information that he did what he did that wasn’t in good faith.

    Your father was not robbed of anything. There was no robbery. There was no theft. A credible and qualified person (on behalf of the marriage) made some decisions. You cannot play arm-chair quarterback and question the decisions and acts of another person who based their decisions on information you don’t, and never will, have.

    The world is only an evil place to you who didn’t get what their deceased mother didn’t will to you that was instead willed to your brother. You equate it with evil – I equate it with jealousy and envy. You can dislike it all you want but what is done is permanent and out of your control.

    One of the lessons you may have missed is that life is not always fair.

  114. November 10th, 2017 at 10:47 am #Jennifer

    I don’t know how pushing my dad down the stairs, trying to evict him from his home because he would not say out loud that my brother now owned the house, trying to commit him after stealing the money from his bank account and stealing his pain pills does not equate to abuse to you. I am not jealous and I don’t want the money, I want my dad to have it so he can buy another home and not live in fear that my brother will kick him out. I’m sure I stated this in the first comment. My father has shown that he is quite capable of taking care of himself and was actually certified by the state as my mothers paid caregiver in the months before she died and that money was taken by my brother a week before she died with her debit card which I consider to be theft since she could not speak or even open her eyes at that point but maybe she telepathically gave him permission to take it and to take a trip to Vegas during her last days of life. The lesson of life isn’t fair will never stop me from standing up for what’s right even if I lose a few battles along the way.

    “The probability that we may fail in the struggle ought not to deter us
    from the support of a cause we believe to be just.”

  115. November 10th, 2017 at 4:16 pm #Jason

    When you say something, I take it with a grain of salt and realize that I’m not hearing from the other party. If I don’t have your brother’s input on the stairs, eviction threats, commitment effort, bank account, and theft, I can’t give it much weight, if any at all.

    You say the debit card withdrawal was theft but unless I hear from your brother, it may have been a legitimate withdrawal with previous permission provided. I don’t know all the details but will not rely only on the information you provide since the information you provide may be tainted.

    What has been and will always remain right is that your mother had the authority to will what she did to your brother. If that was your mother’s wish, you will need to accept what was done was right and you need to stand up and embrace that.

  116. January 8th, 2018 at 2:59 pm #Jennifer

    Actually, I stood up for my dad and wrote a letter to the fraud department for the insurance company, who did an investigation and concluded that the signature on the designation form was NOT my dads and they removed my brother from the policy. My mother had no right to give away something that wasn’t hers and we live in a community property state so she can give away half. Since fraud is now involved my dad will get it back 100%. I also emailed the fraud department of DMV about the car and trailer and they are conducting an investigation into those signatures and the notary that was involved and I am confident that the results will be the same and my dad will get back all of his property. I asked you a question and instead of giving me an answer based on the facts I presented and the current laws, you made an assumption about my motives and gave an answer based on your judgment of me. I was mistaken in thinking this was an advice forum and thankful that I didn’t accept or embrace your response.

  117. January 8th, 2018 at 3:28 pm #Jason

    If you live in a community property state, your mother can give away 100% of whatever she wants to give away. When your information is unclear and with omissions of relevant information, my response will be base on that missing and unclear information.

    You didn’t present any facts – merely speculation. If the signature you reference is not of the person it is supposed to be, I have no idea whose it is. You seem to blame your late mother. Perhaps it’s your brother’s. I don’t know.

  118. January 9th, 2018 at 6:35 pm #Jennifer

    I feel I was very clear and gave more information with every post. I have done my research, spoke with 2 different attorneys about community property laws and can say with 100% certainty that each party is entitled to equal shares of all assets and property acquired during the marriage. What would be the point of a “Community Property” law if one person could take everything without knowledge or consent ( proven facts in this case)? As for the signature, I can only assume that it was my brother since he has the same name, I don’t know, that part seems irrelevant. I feel your response should be based on the information that was given and if clarification was needed I would’ve been more than willing to do so.
    I am not denying that my views on the events that took place may be a bit jaded and I have tried to not let anger and hurt guide my actions but at the end of the day, what she did to my dad was wrong and I will fight for him until the end of time. The information I gave was not speculation, those things actually happened and regardless of who actually signed the forms, the facts are that it wasn’t my dad and that’s fraud no matter how you look at it.
    I will admit that deep down this argument/debate/conversation was helpful for me because it prepared me for battle and, in my quest to understand, I educated myself and feel confident that I can help my dad reclaim his life and dignity.

  119. April 11th, 2018 at 8:25 am #Alyson

    I have 2 $25,000 whole life insurance policies my grandmother took out on me when I was little early 90s. She recently passed away in May 2017. I finally found out the policies are through liberty national. I wanted to cash out on 1 of these policies but the insurance company said I would need to have this form signed by (non relative) by ALL LIVING HEIRS. This authorizes them to delete the current owner (my grandmother) do I need a new owner to cash out if it is my policy?
    Then I would need to fill out the M-895 form to be completed, signed by the new owner, dated and witnessed (by non-relative). This assigns new ownership. Why would I have to get all heirs if it’s my insurance? Does living heirs mean her kids,?

  120. April 11th, 2018 at 9:20 am #Jason


    *Your deceased grandmother was the policy owner.
    *Your life (Alyson) is insured, and the policy has a current cash value.
    *The policy is now owned by the estate of your deceased grandmother.
    *You didn’t mention a Will or beneficiaries, but refer to heirs so that leads me to believe the estate is in Intestacy.
    *The heirs are determined by laws of intestate succession.

    Correct me if anything above is incorrect. The probate court handling your deceased grandmother’s estate is where you need to look to to find out who is involved and what options you may have. The executor or administrator assigned by the probate court should be able to assist you with any of your questions.

  121. May 15th, 2018 at 10:56 am #Ron

    test post by Ron. Any reply text as test reply

  122. August 27th, 2018 at 10:25 pm #Tina

    I have found that in Iowa a vehicle is totaled at 50% of its value. Are there any rules like this related to rvs in Iowa?

  123. August 28th, 2018 at 7:04 am #Jason

    A car can be considered totaled at any percentage the insurance company determines. The guideline is 70-75% and can vary with insurance companies.

    RVs are in a whole different category of vehicles and a RV with much less damage will routinely be considered totaled.


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