Life insurance claim nightmare, please help

I'll try to make this as short as possible. I'm an only child (F) late 30s. My dad passed away when i was 22. My mom and u lived together pretty much all my life. I was the last of her family. She was diagnosed with glioblastoma ( the most aggressive brain cancer. It's an automatic stage 4). She was given 6-7 months. I cared for her, talked to Dr's, various medical professionals, arranged her targeted radiation, craniotomy, transportation, her meds, helped her do her physical therapy, cooked for her, cleaned her, anything & everything while also taking care of my baby, dogs, cats, the house, bills, my business, cooking, cleaning, paying bills ( mu fiance owns a semi truck & is away weeks- a month at a time). She went on hospice in May 2023, passed away July 2023.

She had a bunch of fairly small policies. The last one is for 15k. She got it in 2015. Idk if she was mad at me at the time or if she was having an old lady moment..but she made our family vet the primary beneficiary, me the contingent. He waa our vet for like 25 yrs. Strictly professional relationship, she wasn't having an affair or anything with him . He even signed papers & notarized them saying he'd decline the money and pass it along to me. Once I submitted that paperwork. The claims lady said OK now he will need to fill put the claims packet. That requires lots of personal info…social security number ect. And also has to be notarized. Idk why she didn't tell me alll if the paperwork needed in the beginning.. he got his attorney involved for the 1st batch of papers.

I feel like he's just thrown his hands up. We dropped the paperwork off to him at his place of work woth the claims lady's email & phone number so he could scan & email it to her, and not worry about his personal info being seen by anyone. The office lady said she put it in his office. It's been months. He hasn't submitted the paperwork, returned our calls, or claimed the money. He doesn't Need money, he owned the practice like 30 yrs. He does probono surgeries for people who can't afford it. He's a good guy. The claims lady even asked me for his number when I told her that I think he's washed his hands of this.. I don't have a personal number for him, just the office. My mom didn't even give his correct first name….like putting Bill instead of William or Larry instead of Laurence.

This isn't a huge company. 1 lady handles claims..idk what to do. I don't want to drive 45 min to his work to bug him ( we moved at the beginning of the year). I can tell he's uncomfortable with all of this. The idea of talking to him in person gives me ao much anxiety. We really need this money and i do believe my mom would have meant to fix the policy if she knew he was still listed as the primary beneficiary. We were close . I waa her medical & durable power of attorney, we share a bank account. Our estate attorney said some companies have a time limit once the claim is open.. I friggin payed for it some months.

Will it just sit in limbo forever? I'm desperate at this point. Ive had a year from hell and need to get this claim situated. 🙁

submitted by /u/Blondefox02
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