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By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid. We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour. APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment. You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
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Mostly Independent
Your loved one may not require home care or assisted living services at this time. However, continue to monitor their condition for changes and consider occasional in-home care services for help as needed.
Remember, this assessment is not a substitute for professional advice.
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There is nothing in your profile and your post doesn't offer a lot of detail.
But the long and the short of it is that if your ex-wife is the only beneficiary of your son's life insurance policy - and your son has passed and the life insurance has paid out - there is no legal requirement for her to share the proceeds. There were no other beneficiaries.
Typically - if there are multiple beneficiaries - the life insurance company will send separate checks to each. (if there is anything remaining after the funeral expenses are paid directly to the funeral home)
Now, my DH, who was also POA and Executor of his father's estate, was the only LIVING beneficiary of his father's life insurance policy. For some reason his dad never updated it after MIL passed away. Legally - DH could have kept every penny of that policy after the funeral expenses were paid. However, he did choose to split it with his sister.
But legally he wasn't required to do so, as he was the only living beneficiary.
More details about your situation would help us better address your question, if you don't mind sharing.
No, you have no recourse. Your son wanted his mother to have the money for whatever reason.
I had a friend who had an only child. Her employer offered employees to buy extra life insurance up to 100k. Being single at the time her daughter was beneficiary. Friend remarried but never changed the beneficiary. But, she thought her daughter would pay for her funeral and then have the rest of the insurance. That did not happen. The daughter found out she was under no obligation to pay for her mothers funeral. The 100k was hers to do as she pleased.
So, as beneficiary of that policy, your wife is under no obligation to share it with you. She can pay for her son's funeral but is not obligated to. You can have more than one beneficiary. For some reason son only put Mom.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
You don't have any legal reason to contest this.
But the long and the short of it is that if your ex-wife is the only beneficiary of your son's life insurance policy - and your son has passed and the life insurance has paid out - there is no legal requirement for her to share the proceeds. There were no other beneficiaries.
Typically - if there are multiple beneficiaries - the life insurance company will send separate checks to each. (if there is anything remaining after the funeral expenses are paid directly to the funeral home)
Now, my DH, who was also POA and Executor of his father's estate, was the only LIVING beneficiary of his father's life insurance policy. For some reason his dad never updated it after MIL passed away. Legally - DH could have kept every penny of that policy after the funeral expenses were paid. However, he did choose to split it with his sister.
But legally he wasn't required to do so, as he was the only living beneficiary.
More details about your situation would help us better address your question, if you don't mind sharing.
I had a friend who had an only child. Her employer offered employees to buy extra life insurance up to 100k. Being single at the time her daughter was beneficiary. Friend remarried but never changed the beneficiary. But, she thought her daughter would pay for her funeral and then have the rest of the insurance. That did not happen. The daughter found out she was under no obligation to pay for her mothers funeral. The 100k was hers to do as she pleased.
So, as beneficiary of that policy, your wife is under no obligation to share it with you. She can pay for her son's funeral but is not obligated to. You can have more than one beneficiary. For some reason son only put Mom.