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I'd suggest you look to see if the insurance company has an on-line system to get a policy paid out. Most of the bigger ones do. You will need policy number(s) to get this started. Original death certificate will need to be sent to get paid and it could take a few weeks or several months. If it's an old policy could take longer to process. Good luck.
My relative died without a will. I am the beneficiary in accordance of descendants. The policy is Term; a monthly insurance payment was being deducted from his retirement check to prevent reduction of the Basic monetary amount. In other words the original life insurance amount stayed the same whether actively employed or retired and a monthly premium came out of his retirement check( instead of his taking the' reducing policy option' coverage).
I had a friend who had a policy thru work that continued thru retirement. Her only daughter was beneficary. The friend had remarried and left her daughteron the policy. It was assumed that her funeral would be paid out of the insurance. Nope, her daughter refused to pay for it.
I like Gabs comment. It depends onwho owns it. And I assume that Medicaid requires that info when u apply. Really, its
only fair that they recoup some of the money that put out.