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We're friends, not doctors, financial or legal professionals, and we're not "grief experts." But we are here, and we've been "there."

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Suddenly Widowed

For those widowed suddenly or unexpectedly by any cause. 

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Members: 1559
Latest Activity: on Sunday

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Comment by Nance63 on June 18, 2017 at 4:51pm

Heart attack and cardiac arrest are not the same, but for heavens' sake!  Did the policy specify ONLY heart attack?? that doesn't exactly cause death: cardiac arrest IS death.   You might want to ask the hospital for records. My husband's death certificate lists myocardial infarction leading to cardiac arrest leading to anoxic something.. Racingfan60, do NOT give up!  I've heard more than one story of the insurance companies balking and delaying. You are entitled to that policy payout. good luck!!  So sorry you have to suffer through fighting for that along with the rest!

Comment by mcbeth (Mary Beth) on June 18, 2017 at 8:00am

Racingfan60,

That is horrible. I am so very sorry that you are having to go through this along with everything else you are having to deal with. Don't give up, that's what they want you to do then they get to keep the money. We didn't go through the same scenario with my husbands workman comp but it was a battle all the way around. They fought us at every step thinking that we would give up. I know lawyers are expensive but maybe there is legal aid that you can get. Good luck lady, keep your chin up.

Comment by Racingfan60 on June 18, 2017 at 6:07am

I too am having trouble getting my husband's life insurance policy to pay off even though it was only for $5,000 dollars that is $5,000 that I can use to ensure that I can afford my youngest son's college tuition for next year when I asked why they were refusing to pay the life insurance they said the policy did not cover cardiac arrest which the ER said my husband died from I along with everyone that I have spoken with said they thought that heart attack and cardiac arrest was the same thing and the salesman that sold my husband the policy did not point that out when he sold him the policy I am still trying to get the policy to pay off but I am almost ready to give up trying.

Comment by SweetMelissa2007 on June 17, 2017 at 5:40pm

(((SilverAnniversary)))

I first asked my Victim Advocate the amount of time I would be alloted to read my impact statement ...

I found the easiest way for me was to write about Bob was from the heart in separate categories as a husband, father, friend, son & community the impact his death took on every person, then I combined them & edited & timed it till I was satisfied I had said everything I wanted to say to the judge ...

As it turned out, I became emotionally overwhelmed leaving the Deputy DA to finish reading my impact statement. Because of the age my children & their PTSD, they neither wrote one or attended court ...

You will do just fine since it will be written in your own words to express your loss ...

Comment by SilverAnniversary on June 14, 2017 at 11:54am

I haven't been on in quite a while.

But now I feel this is my one place to turn.

August 30 and 31 of this year we will be back in court to hear Detour Gold plead guilty of criminal negligence causing death. We should also be getting a trial date for the men. But that seems more difficult with all the lawyers involved.

Now I get to sit down and write my victim impact statement. But I don't know how to start.

He was the victim, I was the one who believed that there was a company which cared about the health and safety of its employees.

I am the one who kissed him on a few occasions saying "I don't have to worry about cyanide anymore"

He was a millwright to support our family, so I can stay home with the kids.

I am the one who felt something off and didn't tell him. (same feeling I had as a child when I seen my grandpa for the last time before he died)

He died because I was willing to believe there was good and he believed in me.

Now he is gone and I will never know how many people contributed to his death.

One of my kids has already started his impact statement, but since he has been in University up till recently, I am not surprised as he has had to write many essays.

Comment by KMA2106 on April 21, 2017 at 3:36pm
I was fortunate enough not to have to go through any big issues for insurance etc....what is so incredibly sad to me is that we are going though the most horrific time of our lives and we need to be mentally on top of our game to take care of all these issues. I am at a year and although I was lucky enough that we had everything "in place"...I am so emotionally drained and constantly feel like I need a nap. I just can't imagine having to "fight" for anything right now...I wish anyone who does the best.
Comment by tifacola (Tiffany) on April 21, 2017 at 2:43pm

I wanted to take the time to thank SweetMelissa2017 and onedayatatime for your valuable insight and sharing your story with me!

Comment by SweetMelissa2007 on April 21, 2017 at 12:57am

Unfortunately, we learn things as we walk this path ...

Insurance companies are far more receptive when an attorney files the claim ...

Bob's life insurance & the driver's insurance both paid out w/in 30 days of his death at a cost of $100 per claim for a total of $600K ...

My attorney did not receive 1/3, which is cutomary, because a lawsuit did not have to be filed to force payment

from either insurance company ...

Comment by Gaining Strength on April 17, 2017 at 2:16pm

Onedayatatime, Condolences to you.  Your story should be told, probably on social media or some site where a lot of people have access. Most people do not know how difficult it is to get a claim paid. Everyday, people shell out hard earned dollars paying for life insurance without understanding how difficult it is to deal with the company. My husband had one life insurance attached to our mortgage for 20 years before death. It took them five months to pay a paltry $39K (amount of the mtg). They wanted the attending physician to sign documents. I could not find him because he is not an employee of the hospital and I did not know which hospital he was working at.  In the end I had to get assistance from my employer who had a connection with the insurance company to intervene on my behalf. They also could not find the application paperwork because it was 20 years old and probably misfiled someplace..

Comment by onedayatatime on April 17, 2017 at 12:45pm

Hi tifacola,

My condolences to you.  My wife was standing on a sidewalk when she was struck and killed by a careless driver.  The police report was available within a few days of the collision.  Unfortunately, when I made a claim on my wife's life insurance policy, the insurance company hired a private investigator. His assignment was to review my wife's medical records for the past 7 years.  She had been in great health. If, however, the medical review showed that she suffered from anxiety, depression or some other major condition that we failed to disclose on the insurance application, then the insurance company could have refused to pay out, citing breach of contract.  In the end, they paid out everything, but it was a horrible experience to go through.

In motor vehicle collisions, I think the system is set up to blame the victim.  Not only was I grieving the death of my loved one, but I had no choice but to cooperate with the private investigator and prove that we were honest people who had answered all the questions on the insurance application truthfully.  At one point, I thought I was going to have to hire a lawyer and sue the insurance company for what seemed like a very long delay before they paid out. I thought for sure they were going to try to wiggle out of paying somehow.

Later on, when I sued the driver for killing my wife, the driver's car insurance provider filed a statement of defense in which they denied every allegation in my statement of claim and they asserted patently false, hurtful allegations.

For example, the insurance company alleged that my wife was culpable in her own death because she was "intoxicated on drugs and/or alcohol".  She wasn't.  In fact, the coroner's autopsy report was prepared before I launched my lawsuit and it stated that there were no drugs or alcohol in my wife's system.  How could an insurance company's lawyer knowingly make false allegations like that?  There were other ones that also denigrated my wife's character.

It took over two years from the time of my wife's death to when the driver was convicted on careless driving charges and I reached a settlement in my civil lawsuit. It was a horrible ordeal to go through.

Insurance companies are not sympathetic or compassionate at all.  Quite the opposite.  They want to minimize what they have to pay out so they use tactics like hiring private investigators, blaming the victim and wearing down bereaved family members.

I am sorry for your loss and what you are going through.

 

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