Following the death of my mother in law from dementia we were left with quite a mess.
Her finances had to be taken over by a trustees appointed by the local council/social workers. They were totally legal and above board, used by Sheffield City Council.
She had paid her life insurance policy for over 20 years and when the trustees paying her bills tried to change the bank account for 2 insurance policies relating to her life insurance one company accepted this with no bother this was Aviva and reset up a new account the other Abbey Life consistently refused to accept payment from what they said was a third party and cheques were duly returned. Her trustees wrote giving full reasons and offering evidence form Doctors, Social Workers, Solicitors and the local council of her dementia and their legal responsibilities towards her and all were re buffed.
The result of this was the lapse of the life insurance policy, we cannot help but think that Abbey Life knowing how ill she was deliberately and consistently tried to be obstructive knowing she was close to death and tried to avoid paying out on her policy. They succeeded.
This case is currently with the Financial Ombudsman.
All I am saying is check your policies before it is too late to see if your insurer accepts payments from a third party if anything should happen to you or your loved ones and what they would do in the event of a diagnosis of dementia.
If this helps one person it has been worth the post.
Thank you.
Her finances had to be taken over by a trustees appointed by the local council/social workers. They were totally legal and above board, used by Sheffield City Council.
She had paid her life insurance policy for over 20 years and when the trustees paying her bills tried to change the bank account for 2 insurance policies relating to her life insurance one company accepted this with no bother this was Aviva and reset up a new account the other Abbey Life consistently refused to accept payment from what they said was a third party and cheques were duly returned. Her trustees wrote giving full reasons and offering evidence form Doctors, Social Workers, Solicitors and the local council of her dementia and their legal responsibilities towards her and all were re buffed.
The result of this was the lapse of the life insurance policy, we cannot help but think that Abbey Life knowing how ill she was deliberately and consistently tried to be obstructive knowing she was close to death and tried to avoid paying out on her policy. They succeeded.
This case is currently with the Financial Ombudsman.
All I am saying is check your policies before it is too late to see if your insurer accepts payments from a third party if anything should happen to you or your loved ones and what they would do in the event of a diagnosis of dementia.
If this helps one person it has been worth the post.
Thank you.
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