financial help after death of parent

Spendless

marliepanda wrote: »

Sometimes death in service benefits aren't paid if there was suicide. It happened at my Dads work, it was probably a suicide as there was literally no other result from what the man did, and no reason for him to be doing it other than to kill himself, but because there was some reasonable doubt about it and no proof they had to pay out.

That is where I have it from. Non payment for suicide was in the ts and cs of my death in service benefit (back in the 90s) so when a family friend killed himself a few years back and his widow said that insurance policies had refused to pay out due to the nature of his death, I thought this was the case with all policies. The family friend though may have not declared a health condition as he was certainly in a bad way in the weeks preceding his death.

Thanks for the info though.

marliepanda

Spendless wrote: »

That is where I have it from. Non payment for suicide was in the ts and cs of my death in service benefit (back in the 90s) so when a family friend killed himself a few years back and his widow said that insurance policies had refused to pay out due to the nature of his death, I thought this was the case with all policies. The family friend though may have not declared a health condition as he was certainly in a bad way in the weeks preceding his death.

Thanks for the info though.

It might be on some insurances, I feel like Ive seen it a lot in US tv shows...

Makes sense though, as someone in a bad way could take out a massive policy then kill themselves. I know thats kinda morbid but...

lmcgbmb

Thank you to the people who answered with kindness. Im not sure where others thought I wanted more than £6.50 a week? I eat every other day, i own 2 pairs of shoes 2 pairs of trousers a cardigan and 5 tops! So yes even 6.50 would have been a great help and obviously until you've lived my life for a year or more you haven't the first idea yet you judge?!... i was the day of this post feeling absolutely desperate. School holidays coming to an end and uniform to buy and hoping that just maybe there was asomething id missed some way of getting some extra money to bring up my children. . I didn't realise i had to go into so much personal detail and i obviously didn't realise that he was going to die or else id have eaten once a week and paid out for life ibsurance on him .... hahaha laughable advice... anyway im feeling stronger now abd passing back some advice.. have you e er heard of if you haven't got anything nice to say say nothing? . I understand i once luved in an ivory tower i had a lovely home career and wonderful holidays then i married a psychopath.. don't imagine you kmow even half the story after then and i won't bore you with it either.
Once again thank you for the kind comments i have looked further into it and no im not missing any benefits so ill continue to struggle but at least we are all free from him!!!

System

Mojisola wrote: »

www.legislation.gov.uk/ukpga/1975/63

if the deceased, otherwise than for full valuable consideration, was making a substantial contribution in money or money’s worth towards the reasonable needs of that person

I don't think £5 pw CSA could be considered substantial

Indie_Kid

Have you had a benefits check?

fabforty

If you can't increase your hours even by an hour or two (which at minimum wage, would more than replace the lost £6.50), I would suggest posting up an SOA to see if others can advise on ways to save money and cut costs. TBH if you are working 26 hours a week, have children, are claiming all of the benefits that you are entitled to, yet you can only afford to eat every other day, unless you have huge debts, this sounds like a budgeting problem.

I don't think people were trying to be unkind, but when you say that if you had known you would suffer financially, you would never have divorced your deceased ex husband - that is bound to grate. The news that he was a violent and abusive, only makes that statement worst to be honest.

seven-day-weekend

I think that the people saying that the OP was entitled to nothing meant that she was not entitled to any Benefits, not that the children did not have a claim upon his estate if he was supporting them. As it happens he has no estate so the OP is entitled to nothing.

I agree with others....if you increase your working hours even by one a week, that will indeed make up the £6.50 a week you have lost. Could you (or one/both of the children if they are old enough) perhaps do a paper round?

i wish you well.

montyrebel

you claimed that he was abusive to you and you also said that if you knew you would get no money then you would have stayed married to him, it sounds to me that he was just an ATM to you.

Also you stated what clothes you own, how does that affect the kids that the £6.50 you did get was meant to be spent on them and not you?

BigAunty

lmcgbmb wrote: »

Thank you to the people who answered with kindness. Im not sure where others thought I wanted more than £6.50 a week? I eat every other day, i own 2 pairs of shoes 2 pairs of trousers a cardigan and 5 tops! So yes even 6.50 would have been a great help and obviously until you've lived my life for a year or more you haven't the first idea yet you judge?!...

Have you checked your benefit entitlements? Do you suffer from debts? The Turn2us online benefit checker will assist you so will the Citizens Advice Bureau who can also help with debts.

A lone parent with 2 dependent children should receive around £230 a week income from tax credits, income support or JSA and child benefit. If you are a tenant, you should have most or all of your rent and council tax paid (depending on your Housing Benefit and CT entitlements).

There is no way you should be malnourished and underclothed if you are receiving your full entitlements and not servicing debts or a mortgage, for example.

You could look into claiming from foodbanks in the meantime - CAB or similar should be able to issue you with a voucher but check what the process is for claiming.

Note that as a lone parent, you are only required to work 16 hours to qualify for working tax credits if your income is low enough. This will make you much better off for even though your HB/CT discount may dip a little as you will have employment income and WTC.

Sncjw

You need to focus on the kids if they are teenagers they can look after themselves couple hours extra a week if work allows you to up hours. If they are young maybe friends and family can help outs

You need to sit down and write down your income wether weekly or monthly and write down your fixed outgoings such as rent or bills. Check if you qualify for hb too. Then you can see how much you have left to spare for kids needs. Also teenagers want the latest thing why not teach them value of money. If they are young they can go with their current toys at the moment. Clothing wise why not shop at charity shops or check out facebook pages of local selling pages there you can sell your unwanted stuff.

You say you would have stayed married and taken life insurance had you known this would have happend. Well no one knows when they will die and surely it is better for your children to have separated rather than experience the abuse going on. You wouldn't have known his death would happen and would it have happend at same time if you were married still. Your children need your help through their bereavement as e was still their father despite the abuse.