My Dad is near death and I found out he doesn't have any life insurance. What do I do now?

Soicey6801, I wanted to give you a HUG, but I couldn't figure out how. So I'm doing it this way. I hope that you found the answers you needed, I hope we were able to help in some small way. This time of our loved one's lives is never easy, no amount of pre-planning makes it easy, either. If you feel like you can, please come back and visit.

Well, maybe we'll get some enlightenment later on. It is a confusing question as it stands right now. Sometimes when people try to be brief, they leave out important information. Also OP sounds pretty emotional, as could be expected.

I too had trouble understanding the question but thought that perhaps the OP felt life insurance was needed for a facility placement rather than a burial placement.

Sunnygirl, I think you may have hit on the answer to her/his question. I took it to mean after death, hence the mention of the lack of life insurance. Thank you for the well thought out and worded response.

I don't understand the question either. If he is near death, he will either be held in the hospital or sent to a facility. If he has no funds, he should qualify for Medicaid. They cover his care. How old is he? Does he have Medicare for hospital care?

The life insurance would come in to play after he dies and you need funds to bury him. There are sites that give you ideas on how to handle that if the family has no funds. The county social services department may have funds to help or look on line for the Funeral Consumer Alliance. Maybe they can answer your questions. They are ways to save money by limiting the services and having a simple, green burial with no formal service. You can also purchase low cost caskets or consider cremation. There are quite a few options.

Is your dad a Veteran? They may have benefits. Check with Veteran Affairs.

If you question is for what should happen with your dad before he dies, there should be benefits for a low income person who cannot care for themselves. I would talk with the hospital social worker. She should know where to send you. I hope you find your answers.

Nobody will take him… for what? Do you mean that no care facility will accept him, or do you - ??? - mean that no life insurance company will give him cover (no of course they won't)?

What were you counting on a payout from an insurance policy for?

I held off from posting because I don;t really understand the question, but I know you need help. Will no one take him because there in no $$ in the future for him? Does he have retirement or SS to help pay the bills or why will Hospice not help. More information is needed, and good luck!