You're assuming Aetna was notified. I would not be surprised if Aetna was not notified of the death for several months. Everyone handles the death of a loved one differently. You are right. The situations I have handled were deaths of relatives (by marriage), but "not loved ones." A few hours with the surviving spouse making the appropriate phone calls and as needed obtaining and sending copies of the death certificate avoids alot of problems and starts the process to obtain the life insurance proceeds. It is difficult, but I still believe appropriate. Most of the customer service representatives were polite, understanding and efficient. Notes were taken for later review. I didn't expect that the spouse would remember much. It is only DFAS that I wanted to reach through the phone line to hurt them.
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