Apply for Benefits Due to Survivors.

7. Apply for Benefits Due to Survivors

For many types of insurance policies, along with financial contracts including car loans, mortgages and credit cards agreements – find out whether insurance premiums were paid on the accounts. If so, cash benefits may be due to heirs.

Also, ask as many questions as you can to find out if survivors are due pension benefits or income from the deceased person’s employer, union or maybe even the military. Employers may pay out 401(k) funds, along with unused vacation time, holiday time or bonuses already earned.

For many families, the greatest sum payout following a loved one’s death often comes from life insurance proceeds. In dealing with insurers, experts say, the process should be fairly straight-forward.

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