what happens when someone dies and is not insured on death?

Answer 1

Contact the DHSS who may award a Burial grant, if the deceased is eligible,but this will be for a very basic funeral. The CAB will be able to advise you of alternatives.

Answer 2

Whether you have insurance or not, your survivors are legally responsible for your debts, which can be quite high particularly if you die after a long illness. Other debts your family will be responsible include credit cards, car payments, and mortgage payments--not to mention any estate taxes. Additionally, your family will have to pay for your funeral. Funerals currently average between $6,000 and 7,000, although a Memorial Service and cremation average around $5,000.

Ordinarily, your bank accounts will be frozen upon your death, but your life insurance will be immediately available to defer any costs, which, of course, include paying for your final expenses. Do your loved ones a favor and buy and keep up the payments on an adequate life insurance policy. The younger you are when you take out an insurance policy, the less expensive the rates will be. Rates are also considerably higher for smokers and for over weight individuals. Almost all insurance companies won't issue life insurance past a certain age limit (usually age 75 to 80).

Two types of insurance are available: 1) Whole life insurance--interest builds on a policy over the years; 2) Term life insurance--no interest builds up over the years, but usually the policy is less expensive. Some companies give their clients the option of switching their term life insurance to whole life insurance.

Answer 3

If someone dies , all of their property, bank accounts , insurance money and all they owned is their estate. If the estate has debts they are paid from the assets of the estate. An executor is responsible for that. The will is read and any gifts and allocation of property is done according to the will , if those assets still exist.

The funeral and burial expenses are part of the costs the estate must meet.

If the estate has no assets remaining it becomes the responsibility of the county to dispose of the body. Normally family and friends would contribute to meet the burial costs.

Answer 4

What happens about what? If youre not insured then your estate is basically whatever assets you have. No insurance on credit cards etc means they dont get paid off. No insurance on your mortgage or loans means they dont get paid off. Any debts have to paid from the estate - selling the house and car and any other assets. If you have no estate, then there is nothing that can be done. Creditors cant get any money off you if your dead. And if the debts were only in the deceased's name then no-one else is liable for them.
You can only get a grant from the DWP if your on benefits and the only person who is liable to pay for the funeral. If there are any children, siblings, parents, they will be expected to share the costs.

Answer 5

There is no magic here. They may qualify for SS death benefit of about $250. Otherwise, the executor of their estate should pay for any expenses from the assets of the estate.

Answer 6

What do you mean? If there's no life insurance, there is no payout to the beneficiary. If there's no health insurance, then no one else is there to pay the final expenses.

Answer 7

the family help out.