I am asking for advice with regards to a CBUS and Hesta super death policy. A friend of mine who had cancer a couple of years back has recently been given 12 months to live. When she was initially diagnosed with the cancer she had no idea her Superâ€™s life insurance policy was available. I am not aware of what any doctor would have said in terms of her lifeâ€™s expectancy when she was diagnosed, but she is now organising the certs that are required by her respective insurers.
She hasnâ€™t notified the insurers of her intent to claim, no particular reason, sheâ€™s not well enough anyway, either mentally or physically to deal with it and generally itâ€™s not in her skillset to manage these things. So now that I am left to manage it for her I do not want to make a mistake, itâ€™s enough to be told you have less than 12 months to live, without a clerical error preventing an insurance claim.
I am sure (well I hope) you can understand my nervousness around this, and wanting to make sure I get everything done correctly.
So to my question. Are there any pitfalls, advice or anything I should be aware of that will be needed to be completed. I was told weâ€™d have to get two medical certs, one from her oncologist, and I think one from her GP, but I am not sure. So ALL advice is very appreciated.