What is the name of your state? Live in North Dakota, but staying with a friend in Indiana.
My husband died of liver failure in Chiang Mai, Thailand in August of this year. He had a life insurance policy with AARP New York Life and I am the sole beneficiary. New York Life is refusing to pay the claim because they say that that the Consular Report Of Death "CROD", which is an OFFICIAL document issued by the US embassy in Thailand, featuring an official US govt. seal on it, is only a "report of death", not proof. However, I found the law that seems to apply to this:22 U.S. Code 4196; 22 Code of Federal Regulations 72.1. This states that the CROD is filled out with information from the official Thai death certificate which the consular officer accepts as proof of death. There is another form that the consulate fills out if there is no official death certificate issued because there has been no body recovered, e.g. avalanche victims, plane wreck with no identifyable remains, etc. This specific form is called A PRESUMPTIVE REPORT OF DEATH because the consular officer does not have the hard evidence of a death certificate to use to fill out a CROD. I am now a pennyless widow without the resources to long-distance call different bureaus in Thailand in the hope that I can find someone who speaks English and who can tell me how to get a copy of the original Thai death certificate. The US Government bureau of vital statistics and Social Security accepted the CROD as good enough proof of my husband's demise, why can't New York Life? I really need some help in standing up against the insurance company. Anyone with any ideas on what I should do, PLEASE, leave a comment.What is the name of your state?
My husband died of liver failure in Chiang Mai, Thailand in August of this year. He had a life insurance policy with AARP New York Life and I am the sole beneficiary. New York Life is refusing to pay the claim because they say that that the Consular Report Of Death "CROD", which is an OFFICIAL document issued by the US embassy in Thailand, featuring an official US govt. seal on it, is only a "report of death", not proof. However, I found the law that seems to apply to this:22 U.S. Code 4196; 22 Code of Federal Regulations 72.1. This states that the CROD is filled out with information from the official Thai death certificate which the consular officer accepts as proof of death. There is another form that the consulate fills out if there is no official death certificate issued because there has been no body recovered, e.g. avalanche victims, plane wreck with no identifyable remains, etc. This specific form is called A PRESUMPTIVE REPORT OF DEATH because the consular officer does not have the hard evidence of a death certificate to use to fill out a CROD. I am now a pennyless widow without the resources to long-distance call different bureaus in Thailand in the hope that I can find someone who speaks English and who can tell me how to get a copy of the original Thai death certificate. The US Government bureau of vital statistics and Social Security accepted the CROD as good enough proof of my husband's demise, why can't New York Life? I really need some help in standing up against the insurance company. Anyone with any ideas on what I should do, PLEASE, leave a comment.What is the name of your state?