"The man is happiest who lives from day to day and asks no more, garnering the simple goodness of life." ~ Euripides
When filing a life insurance claim, there are various documents that you will need to present to the life insurance agent. The documents needed generally include the birth certificate of the insured, residence information, policy numbers and the death certificate showing the date and cause of death of the insured. If you have the actual policy, that is a great help to the agent, and yourself as well.
Most insurance policies are paid out in 3-14 days, depending on whether or not there is an investigation after the death of your spouse.
To get the claim started, you will need to contact your agent. If you do not know the name of the agent, you can call any local office affiliated with your policy, and they should be able to look up the information for you.
There is bill assistance available for those in need, but unfortunately there is not one specific place you can go to obtain this help. Most states and counties have their own programs developed, and all vary from state to state.
The first step to receiving assistance is to call your local utility companies, explain your situation, and ask them if they have any programs for which you would be eligible. If they have something, they will let you know, and they will probably give you additional information for other programs as well. Also, most utility companies will grant you an extension on your bill to allow you some time to sort through your finances. You just need to ask!
Here are some websites that might help you:
- United Way - 703.836.7112 - http://liveunited.org/
- The Salvation Army - Look for your local chapter's phone number or visit the primary website. http://www.salvationarmyusa.org/usn/www_usn_2.nsf