When you die, what happends to your debts?

[Postdog]

Are they supposed to be met from any estate left or just written off?

[ummmm]

I think he's not getting the benefits he should be mamy..

[Postdog]

sort of. I have to undergo brain surgery soon and have been advised that as well as the (small but)possible risk of not surviving, there is also the possibility of being left blind or having a stroke. I am simply trying to get some affairs in order and wanted to leave some money to good friends and God daughter just in case the worst happens. I was hoping I could do so from what I actually have liquid, but aside from that I do have endowment policies that will be applicable.

[Mamyalynne]

I know but maybe after seeing the neuro surgeon he has a better idea of how to proceed or maybe that has not happened yet. All I do know is that when serious illness strikes the last thing you need are money worries.

[ummmm]

Yes...absolutely agree Mamy.

Postie - fingers crossed for you x

[Mamyalynne]

Postdog sorry our posts crossed there, I can understand your viewpoint and wish you nothing but the absolute best from the surgery, they do always have to give you the darker possibilities too, take care and keep us informed.

M♥

[Postdog]

I'm not entitled to benefits Mamy - too much at the moment. On that I am also getting essential house repairs done so that at some point my savings level meets requirement. They have to be done anyway, it's not like I'm spending just to meet the level.

[Mamyalynne]

I understand you and essential repairs are not deliberate disposal, that is fine. the special rules for claiming DLA and the like apply when someone is declared terminal (with provisos) and I pray you do not fall into this category. Take care.

[Postdog]

I'm only terminal if I don't have this done. If I wasn't aware of it, at some point it would have killed me anyway.

[Barmaid]

Postie, all the best for tomorrow. Try and think positive. Good luck. x

[Mamyalynne]

Well get the surgery done and take it from there, I do understand what you are going through.

[Sqad]

Post dog re your brain surgery..........what is it and where?

[Postdog]

It's not tomorrow - It's not immediate life threatening and is likely to be scheduled in about four weeks. Handy cos just in case I CAN sort things a bit, and that's a chance many people don't get. It's just than the tumour will kill me in time, and being realistic, I could in theory not survive the surgery.

[Postdog]

John radcliffe oxford

[boxtops]

Postdog, you could take out insurance (not PPI!) to cover your card repayments in the event of your death, something like a decreasing term assurance which goes down in line with the decreasing amount on your card. Given your medical history though, that could be expensive now. It is easy to trace debts, your executors would see your credit card statements coming in - etc., and they do have to settle those before any money goes to any other beneficiaries.

[Sqad]

Postdog...;-) I mean what sort of tumour is it and what part of the brain is involved?

[sara3]

Postie, that's big stuff you're dealing with. I wish you all the very best x

[Prudie]

Postdog yes I'm always amazed at how some people on here are so brave at dealing with stuff like this and you are no exception. Fingers crossed for you. On a negative note I don't think it would be easy taking out card insurance now that you are already embarked on a health matter. xx

[Postdog]

I dunno the answer to what or where but I believe it is at the base adjoining the spinal column. Surgery will be through the nose cos that is the only way to reach it. they haven't said (because they don't know) if benign or malignant, just that it is growing.

[Sqad]

postdog....interesting....thanks for the info.

[ubasses]

Sorry to be prophet of doom but any insurance to cover debts will exclude any existing condition so will not help postdog in his current situation. Good luck with op.