<prompt> Human: I am at a loss for words what to do. My father passed away in January. Mom had no problem collecting from two life insurance companies. MetLife has been a giant thorn in her side. She submitted the paperwork, and they told her she needed more. She submitted that, and then waited. She has had to contact them every week to find information out. First, they said because she was late one payment in the 90s, they were not sure they would pay out. Next, they said they were just waiting for the check to be cut. This past two weeks they have told her they are still looking at his medical records. I just am at a loss. He didnt commit suicide. He was diagnosed with cancer in 2007 and beat it. He passed away from aspiration pneumonia. The doctors told us he was not coming back and it was inhumane to keep him alive. We found out he had serious infection from bedsores and his cancer had come back. If this is the wrong sub, please point me in the right direction? I really want to avoid her having to pay a lawyer just to get what is owe. She was late one freaking payment and paid it. They continued letting her pay her premium... Edit: Thank you all for your advice. I truly appreciate it. If you would like, I will follow up when we figure this whole thing out.  <response>: It wont cost as much as you think to have a lawyer write a letter for you. We had to do that with our mortgage holder and it cost us under 100. 