When a person dies before pension is claimed

dunstonh

Have Prudential a point or not?

Yes. a letter of authority for information is just that. the letter given is a full transaction ability and that is over the top.

richard_3095

dunstonh wrote: »

Yes. a letter of authority for information is just that. the letter given is a full transaction ability and that is over the top.

So, at the moment it's quite satisfactory for the son simply to have authority to gain information about the policy from Prudential?

Given that Prudential has now made the son beneficiary, after having received Prudential's form for that purpose, I suppose after the father passes on their is no need for a power of attorney to have been granted to the son, before the father's passing?

jamesd

Right and right.

The son won't need any authority after death since he's now the nominated beneficiary. The trustees will with almost no doubt simply quickly pay out to him, given the very recent expression of wishes information. Quickly in this context means a few weeks, while probate for the things in the estate may well take months.

richard_3095

Pru have received notification of change of address. Yes, because a letter was sent about 2 weeks ago requesting it. At that time the letter sent was signed by the policy holder. I've now relieved a sort of form from Prudential wanting additional details. Now, the policy holder cannot make out this form. I think now the only thing that will enable the son to deal with Pru is to present a death certificate. I'm mad that Pru has not seemed to have grasped our situation which is that of a policy holder on his deathbed. We seem to have been treated as if that fact has been of no relevance.

I'm just going to ignore this form. I'll pass on communication from Pru onto the son.

richard_3095

Seems that in order for this form (concerning information regarding previous address and current address) has to require a person having been given power of attorney. Wow, the law puts you through it when a policy holder cannot sign forms. And it's only information regarding addresses.

If Pru agree that son can receive information about the policy, cannot the son give information, without him having power of attorney?

richard_3095

It seems to me that where information is involved and not contractual matters, a son ought to be granted permission to receive information and give information without needing power of attorney, in a case where the policy holder has asked Pru to deal with the son.

Requiring the son to have power of attorney, just to fill in address information, seems over the top.