What is the name of your state? Virginia
My mother passed away in 2004 from cancer when I was 19 years old. My father had passed away from cancer when I was seven years old. Almost a year after her death her former employer (she was a live-in babysitter) received a letter from my mom's life insurance agency and they sent it to me to check and see if she had life insurance money. I had a family friend look into it for me and it turns out that she did have life insurance money because years ago she paid for it, but had stopped. I think that my mom had forgotten about it because before she died she apologized to me for not having any money to leave for my brother (he was 3 yrs old when she died) and me.
I was told by my family friend that my aunt (my mom's youngest sister) was the beneficiary so she would be getting all the money and she did. No one let me see any of the papers or talk to the insurance people to see if my name was written anywhere on the papers. It's just really odd to me because my name was always attached to my mom's health plans, bank,etc. No one would let me see any of the insurance papers or talk to the insurance people.
At first my aunt said that she was going to give me the money but I didn't hear from her for a year and she would never answer my calls. She finally got in contact with me but said that the money was hers and gave me a very minuscule amount, my brother nothing, then we never heard from her again. I just graduated from college so I'm in a lot of debt. My stepfather is also struggling financially and she will not help us and she knows that the money is meant for my brother and me. I have been trying to get a hold of her for three years now and she keeps ignoring me. She won't let me see any of the papers. She tells other relatives that she knows the money belongs to me and my brother and that she hasn't spent any of it, but will not give us anything. I don't know what's going on.
I want to know if I have any right to see the documents. If my name was mentioned would the insurance company have tried to contact me? Would it be possible that the insurance agency asked my aunt if my mom had children and my aunt lied about it? My mom was an immigrant from the Philippines and didn't understand English fully so she may not have understood everything she was reading when she filled out the papers. I really don't think she wanted my aunt to keep the money for herself.
I have also seen sights that say they can obtain insurance documents (http://www.mib.com/html/lost-life-insurance.html). Are those legit? Should I look into that?
This is a really complex situation and I have no idea what to do. I think that I am being left in the dark about something and I don't know what to do about it. If someone could really help me I would greatly appreciate it. Thank you.
My mother passed away in 2004 from cancer when I was 19 years old. My father had passed away from cancer when I was seven years old. Almost a year after her death her former employer (she was a live-in babysitter) received a letter from my mom's life insurance agency and they sent it to me to check and see if she had life insurance money. I had a family friend look into it for me and it turns out that she did have life insurance money because years ago she paid for it, but had stopped. I think that my mom had forgotten about it because before she died she apologized to me for not having any money to leave for my brother (he was 3 yrs old when she died) and me.
I was told by my family friend that my aunt (my mom's youngest sister) was the beneficiary so she would be getting all the money and she did. No one let me see any of the papers or talk to the insurance people to see if my name was written anywhere on the papers. It's just really odd to me because my name was always attached to my mom's health plans, bank,etc. No one would let me see any of the insurance papers or talk to the insurance people.
At first my aunt said that she was going to give me the money but I didn't hear from her for a year and she would never answer my calls. She finally got in contact with me but said that the money was hers and gave me a very minuscule amount, my brother nothing, then we never heard from her again. I just graduated from college so I'm in a lot of debt. My stepfather is also struggling financially and she will not help us and she knows that the money is meant for my brother and me. I have been trying to get a hold of her for three years now and she keeps ignoring me. She won't let me see any of the papers. She tells other relatives that she knows the money belongs to me and my brother and that she hasn't spent any of it, but will not give us anything. I don't know what's going on.
I want to know if I have any right to see the documents. If my name was mentioned would the insurance company have tried to contact me? Would it be possible that the insurance agency asked my aunt if my mom had children and my aunt lied about it? My mom was an immigrant from the Philippines and didn't understand English fully so she may not have understood everything she was reading when she filled out the papers. I really don't think she wanted my aunt to keep the money for herself.
I have also seen sights that say they can obtain insurance documents (http://www.mib.com/html/lost-life-insurance.html). Are those legit? Should I look into that?
This is a really complex situation and I have no idea what to do. I think that I am being left in the dark about something and I don't know what to do about it. If someone could really help me I would greatly appreciate it. Thank you.