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Latest Activity: 9 hours ago
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 ...
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..
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.
Hi all. I'm hoping those that lost their SO to a car accident could share their experience regarding the time in which it took to have the police report and forensic information in hand. I've been filling in the gaps in my head for 5 months trying to figure out how my husband died. It makes me bitter and angry at the world. Especially since I can't claim his life insurance (accidental death insurance) without this document. I don't feel like I can settle if I don't know where we stand financially.
There are so many "firsts". They are so very painful. So are the waves of grief. To be going along okay and then, boom!, hit with a wave of such sorrow. Easter was difficult as in church, the sermon talked about loved ones we lost. Spring is equally difficult because we enjoyed being outside together when the weather was so nice. It is true, most people who haven't suffered like us, don't understand why we continue to grieve. Don't let that stop you from talking about your loved one. I sometimes think, though I am one day further from the time when we were both together in flesh, we are one day closer to being together in spirit. I also know he is always with me in spirit too. It doesn't take away the longing for a hand to hold, a voice to hear but does give a minor comfort. Hang in there. Time will continue to teach us how to handle the grief that we carry with us every day.
I remember my "First's". They were filled with the pain of loss, a physical pain, and a sort of panic. With our retirement, and the move to our home in the mountains, September was a beginning. October was our 35 was our 35 wedding anniversary. On Thanksgiving day in November I flew her out on Flight-for-life, and on the 17th of December, she passed suddenly and unexpectedly in her sleep. I dreaded those three months for years. Toward the Third's, I found the anticipation of those months and the particular days, turned out to be worse than the actual day itself. It's been a little over 4 years now, and I'm in my Fifth's. Over the time and looking back as the years moved on, I have been able to concentrate on the good in our time together, and have stopped thinking about the bad. I made the conscious decision to honor our wedding anniversary, and not the day of her death etc. On our wedding anniversary, I take out our wedding album and sit on the love seat, and go through the pictures and talk to her as if she were cuddling beside me and chat with her about each picture. December here in the Rocky Mountains is not the best time to visit the cemetery so I visit her as I drive by on the way into Denver (she is at FT Logan National Cemetery) which is just off the highway that takes me into town. The visits have been less frequent as "life" interferes, and I find myself visiting more when I'm wrestling with some dilemma that one of our kids is going through. I'll tell her I love her and talk with her about the problem, and sometimes, it makes thinking clearer and I walk away, alone, but with an idea.
The years will pass and over time we adjust, but we never forget. Not worrying about Mother's Day, Father's Day, her birthday, my birthday, and the loss, helped me latch onto one day, our anniversary when we said I DO, seemed more important to me and has helped me immensely.
Hi KMA - Yes. I've noticed that too. People think after a year you should start getting over it. They have no idea. There are many days I just don't want to do anything but sit and stare out the window. Spring is hard for me because my wife loved the emergent qualities of life. As I sit here, looking out the window, I see that the ash tree in our backyard is soon going to be leafed out. Every year Tam would wonder when the leaves would show up. Out of the blue they would be there and she'd be surprised and pleased. Time to compose myself. My daughter made dinner. She asked for steak so I defrosted cube steak. Turns out it is pretty nasty to eat cube steak as if it's a T-bone! She and her boyfriend are off getting dinner and they are on their way back. Take care of yourself and always feel free to write here.
Please accept my condolences for your loss and also my thanks for your post and advice about the medium.
I agree that we know our spouses best and if something sounds off or not like them, it's probably not true. Several people suggested and recommended that I speak to or see a medium but I don't feel comfortable with that. I'm not saying that there aren't any genuine medium's out there but, there are just so many charlatans taking advantage of the vulnerable, that it prevents me from taking them seriously.
I also like the exercise of writing a letter to our spouses. I am more than three years along in my journey and I've tried what I feel works best for me thus far. While I've written letters to my Patrick, I never thought to write one to me from him. What a great idea! I'm going to try that. I sometimes find myself subconsciously nodding when I do something that feels right, as if my Patrick is whispering, "That's it honey, that's the way." Of course, I also sense the message of "be careful" when something is not right. There is still a connection there and I am thankful, grateful and blessed for that.
That's why we are all here, sadly. Alone, I've learned that people who never truly experienced grief, have no idea what to say. We haven't been taught how to cope with death and so, we in turn feel awkward. Some of your friends and family hate seeing you in pain and want to take it away. Some people see your pain and become scared it will happen to them. Some people are just plain ignorant. I believe all have the best intentions. So, whatever their comments are, just let them slide. Most have the best intentions for you even though it doesn't help. I agree with everyone who has said this, and I actually hate it because I am not patient, but this will take time. A forever type of time. The pain will transform into something you will be able to manage, someday. When my soulmate passed away on March 3rd, I didn't think I could live pass one minute, let alone an hour or a day. It's now April 13 and here I still am. The jagged edges of suddenly losing him are now just sharp. I have days where I can muster a smile or a laugh, even look at our photos and feel good. Then there will be days where I'm drowning in sorrow. It's all so new, but everything said by the people who have experienced loss like this have been correct. Time, be patient with yourself and reach out to support, like here, groups or a therapist.
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