Life insurance not paying until the cause of death is finalized even though the police report details everything. Normal?

MetLife is saying they can’t pay out until there’s a final cause of death, which is pending per the toxicology report which takes 6-8 months to even get back. She died in a car accident.

We submitted a police report that states very clearly that the other driver was at fault, included all the information about how the accident happened, stated the was wearing her seatbelt and didn’t seem to be impaired, she had no contributing actions to the accident, etc.

She had an AD&D rider which is probably primarily what’s holding it up, but they said they can’t even pay out the basic portion of the policy.

My mom was the breadwinner in the house and my dad lives on disability and can’t afford to support himself. I just don’t know what to do. We’ve been told over and over again that they don’t need any additional documentation from us and now weeks later they’re saying what we gave them wasn’t enough.

submitted by /u/uhohmybrain
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