We lost our dad on 10 / 7 / 08, our mother filed a claim. Our mother passed on 10 / 30 / 08 one day before before the check arrived for our dad. Aaa stopped payment on the check. I told them we needed that money to bury our mother, and that i will sue them if we have to keep our mother out until they re - issue a check to the estate. So the manager who it took, several phone call to speak to. Told me that as soon as i could get my sibling to file for her benefits they would send the check. The check they sent was for her policy which we received on 11 / 07 / 08. She told me my father check would have to got to probate. Because my mother passed away, my sister and myself was given power of attorney over her affairs. I called the bank and told them she passed and if i could just sign the check with my and poa and deposit it they said yes. My parent filed bankruptcy and owed no one, did not own a home car paid off which i told them. So now we have to to go through probate and hire a attorney for nothing.
This does not make sense to me. So i ask why pay off for the person who was a rider on a policy and send the money for the policy holder to probate? If my mother would have passed away a week later then they would not have had to pay us for her policy. They refuse to give me the name of the manager boss or if they had a complaint department.