Life Insurance and Benefits

It is important to make life insurance claims as soon as possible for the liquidity that they provide. Claims are usually paid within weeks, and the named beneficiary, such as the surviving spouse, may really need it. If the benefits are payable to a named beneficiary, he or she can use the funds to cover administration expenses and get reimbursed by the estate later on.

If the life insurance benefits are payable to the decedent’s estate itself, making the claim will be trickier. You will have to get the estate’s personal representative appointed first, then he or she will have to make the claim and receive the death benefits on the estate’s behalf.

When you make your life insurance claim, be sure to request a Form 712, which states the nature of the policy and the benefits provided, for later submission with estate tax returns.

You should also file for other available benefits as soon as possible. There may be survivors’ Social Security benefits, military and veterans’ benefits, state benefits, or pension or annuity benefits available. Some of these benefits take a long time to get, so it’s important to get started as soon as possible.

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