If you cannot cancel a policy that you don't want that you are paying for on a spouse you need to contact the company which provides the policy. Most companies should allow you to cancel a policy.
If your name is on the account you have to pay. If not, you need to send a copy of the Death Certificate.
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If your spouse has a good credit record that lender should approve. However, you will need to discuss it with the lender.
I take it that the two of you filed separate returns and kept your funds separate. You are probably not responsible for your deceased spouse's federal income tax. However, your deceased spouse's estate is responsible for his or her federal income tax. That is if there is enough money in the estate to pay the taxes. Otherwise, you may need a good tax lawyer.
Yes, in most cases, you need a qualifying event to cancel health insurance outside of the annual open enrollment period.
Yes, a surviving spouse may need power of attorney to manage the affairs of their deceased partner, depending on the specific circumstances and legal requirements in their jurisdiction. It is advisable to consult with a legal professional for guidance in such situations.
No, you do not need to cancel your current health insurance before switching to a new plan. It is recommended to ensure there is no gap in coverage during the transition.
If the spouse has a Will stating "all of my debts are to be paid." Yes. If not, you just need to send a copy of the Death Certificate to each creditor.
A tax return does need to be filed on behalf of someone deceased for the year in which they died. This is usually done by the spouse, a family member, or an accountant or tax attorney handling the person's estate.
Yes you can. If you feel his coverage is adequate to meet his healthcare needs, then keeping him on your plan would be paying for insurance that you don't need.
The estate will be held responsible. Given that the spouse was a card user, they can also be held responsible if the estate doesn't resolve the issue.