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mrecenta

I've seen a lot of discussion about passing drug tests. What happens when you die (for whatever reason), and your spouse/partner files your life insurance claim? Is an autopsy required? If you once held a smokers policy and switched to a non-smoking policy when you quit tobacco wouldn't the insurance company want to investigate if you died a smoker's death (heart attack, copd, lung cancer, etc.). Call me paranoid, but I'm imaging a life of poverty if something happens to my spouse. He is displays COPD symptoms, but he did not admit to marijuana use when applying for his policy. If some one has any answers I would be really grateful!

 

rich420

no answers, but welcome to the lounge

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feedyourhead

it depends on your insurance company's policy. in your policy should tell you what the requirements are for you to receive survivor benefits. when you file a life-insurance claim you will be asked to provide his name, social security number, your policy certificate naming you as beneficiary, and his death certificate. anything extra they would want should be given to you in the policy itself. there is a real chance that they will deny the entire claim, or they may just hold back the extra money you would have paid in premiums if you had continued with the smoker's life insurance policy. take a look at your policy. the only way to really avoid this would be to contact your insurance company and try to get back on a smoker's policy. it may cost more, but it's better than risk losing your claim benefits altogether.

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Buzzby

An autopsy is required only if there is some question about the COD.

People who have quit tobacco or never smoked at all can still die from all of those things. My father stopped smoking ten years before he died from COPD.

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