Umbrella ltc
File claims with policy numbers; long-term care may need physician statements for benefit triggers
Some steps differ by region inside the country.
Where
The insurer or broker who arranged the coverage, and the employer if it was a group benefit.
How
Identify the insurer from premium payments in their statements or from their broker.
For long term care coverage, ask whether any benefit remains payable, including any return of premium or death benefit rider.
Cancel umbrella liability coverage and claim any unused premium for the estate.
Check whether a surviving spouse was a covered person and needs their own replacement policy.
What to bring
The policy number
A certified copy of the death certificate
Records of any claim in progress
This is practical information, not legal, medical, or financial advice.