The 2 a.m. phone call

Jinglebob

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The phone rang at 2 a.m., January 11. In a sleepy haze I attempted to grab the phone off the nightstand but it went to message. My wife, half asleep, asked who called. I played back the message…”Hello, this is doctor so-and-so. Please call me.”

A doctor calling at two in the morning is not good. My wife said that she couldn’t handle bad news at the moment and would call him in the morning. We attempted to go back to sleep. Thirty minutes later, the phone rang again. I answered. It was the same doctor calling to say that my wife’s brother, Johnny, had passed away and asked what she wanted to do.

We were saddened but not surprised. My BIL contracted Covid in December and had been in a coma and on a ventilator in ICU for three weeks.

My wife was his last living relative but not his guardian or power of attorney. There was nothing she could do at that hour of the morning. Needless to say, she was upset and could not go back to sleep for the remainder of the night. I wasn’t too happy with the doctor. Why can’t doctors wait until morning when people are awake to deliver bad news?

My BIL was a private person who lived alone. We didn’t know if he had a will or a final directive. The following day I drove to his home, an hour away. I asked a neighbor lady if she had a key to his house. She didn’t and hadn’t seen Johnny for over a month. I explained the situation, told her my intention to break into the house and asked that she not call the police.

There was one window on the backside that was unlocked but I was apprehensive to go in because of the virus. Once inside I found a slew of letters on the floor under the mail slot, junk mail and bills that needed paying. I searched the house but could not find a will or funereal directive. There was a checkbook but no register of transactions. I found a loaded handgun, a hunting rifle and one shotgun. I took the weapons. I also took his laptop but am unable to access it because it’s password protected.

I informed the bank of his passing but they could give me no information. There is nothing we, or they, can do until we receive the death certificates and my wife is appointed executor. We have retained a lawyer to guide us through the process.

I paid his funeral expenses hoping to get reimbursed at some point. For me, $12K is no small amount. His financial status and debts are unknown. Sometime in the near future we will have to deal with his house and possessions.

I’m very sad Johnny passed but a bit frustrated that everything was left so up in the air. Johnny was only 67 and I suppose he didn’t give that much thought to dying.
 
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Sorry that you guys are having to deal with this. Very hard to deal with on several levels. Good reminder to all of us...get things in order now and let someone know where the important info is.
Hope things work out for you.
 
I'm sorry you lost your BIL and that you both are in a difficult situation.

A simple will is a blessing to survivors. I got a similar call in 2019 and it took me a year to get things finalized. Thank goodness New Mexico has rules on small estates (under $30,000 & $45,000 depending on some simple variables) and the probate process was simple, if lengthy and exhausting. Not good, and every decision I made as Personal Representative was fraught with hazards for damaging family relations.

A will is a wonderful thing.
 
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So what would happen if there was no family with $$$ to pay the bills ?

Would the city come up with the funeral cost ?

Never thought about this problem.
 
I can speak to that for New Mexico....no one pays the bills; only the decedent was responsible, and if they had had little money (a 'small estate') or assets, creditors are out of luck. The remains can be released by the Office of the Medical Investigator if unclaimed, cremated and will be held at the cremation provider pending payment by any relative who wants them. Often ash boxes may sit for months or even years.

It's pretty cold.
 
So what would happen if there was no family with $$$ to pay the bills ?

Would the city come up with the funeral cost ?

Never thought about this problem.

Nevada Ed—it depends on the state, but as a general rule they are classified as “unclaimed” and buried or cremated. There is a state statutory fund (last I knew it was like $1500) to reimburse the funeral home for the expense.
 
The NM rate is $600, but many cremation providers roll the dice that a relative will pay the regular price and hold the cremated remains as long as they can. The $600 is a last resort, financially speaking.
 
My condolences to your family on Johnny's passing. That late night call is a dreaded thing.
My daughter got the call when a bachelor cousin died from Covid at the VA hospital. She got his remains handled, cremated, and intered at the national cemetery for $3100.
He lived in an apartment, had few assets and no will, but just enough on hand when she went to clear out his place, to cover final expenses.

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Jinglebob, I'm very sorry for your loss...please accept my condolences.

And please accept my thanks for writing such an eloquent reminder to all of us to have our affairs in order...just in case our loved ones get that 2 AM phone call.

I spent 30 years watching people leave this earth when they least expected it; none of us knows when he'll take his last breath.

I'm the same age as your late brother-in-law. I'm divorced and live alone. I have a will on file, and I have given sealed envelopes to both of my sons with everything they will need to know when the time comes: Bank account information, credit card numbers and passwords, social media account information, safe combinations, etc., etc. The deed to my home, the titles to my vehicles, etc., are in a file cabinet, clearly marked.

I'll keep you and your family in my prayers...
 
For those of you that haven't done a will or trust PLEASE do so. As stated above it will be a nightmare sorting through everything as well as expensive. In some states, if you die without a will, the state gets half and the rest goes to the next of kin.
 
I have my will and estate instructions sitting out on the corner of my desk so that they can be found immediately. An accounting firm in Frederick, MD developed a very well thought out fill-in-the blank book that can summarize a lot of important information in one place. I had the forsight to grab three blank copies and fill one of them out.
 
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The phone rang at 2 a.m., January 11. In a sleepy haze I attempted to grab the phone off the nightstand but it went to message. My wife, half asleep, asked who called. I played back the message…”Hello, this is doctor so-and-so. Please call me.”

A doctor calling at two in the morning is not good. My wife said that she couldn’t handle bad news at the moment and would call him in the morning. We attempted to go back to sleep. Thirty minutes later, the phone rang again. I answered. It was the same doctor calling to say that my wife’s brother, Johnny, had passed away and asked what she wanted to do.

We were saddened but not surprised. My BIL contracted Covid in December and had been in a coma and on a ventilator in ICU for three weeks.

My wife was his last living relative but not his guardian or power of attorney. There was nothing she could do at that hour of the morning. Needless to say, she was upset and could not go back to sleep for the remainder of the night. I wasn’t too happy with the doctor. Why can’t doctors wait until morning when people are awake to deliver bad news?

My BIL was a private person who lived alone. We didn’t know if he had a will or a final directive. The following day I drove to his home, an hour away. I asked a neighbor lady if she had a key to his house. She didn’t and hadn’t seen Johnny for over a month. I explained the situation, told her my intention to break into the house and asked that she not call the police.

There was one window on the backside that was unlocked but I was apprehensive to go in because of the virus. Once inside I found a slew of letters on the floor under the mail slot, junk mail and bills that needed paying. I searched the house but could not find a will or funereal directive. There was a checkbook but no register of transactions. I found a loaded handgun, a hunting rifle and one shotgun. I took the weapons. I also took his laptop but am unable to access it because it’s password protected.

I informed the bank of his passing but they could give me no information. There is nothing we, or they, can do until we receive the death certificates and my wife is appointed executor. We have retained a lawyer to guide us through the process.

I paid his funeral expenses hoping to get reimbursed at some point. For me, $12K is no small amount. His financial status and debts are unknown. Sometime in the near future we will have to deal with his house and possessions.

I’m very sad Johnny passed but a bit frustrated that everything was left so up in the air. Johnny was only 67 and I suppose he didn’t give that much thought to dying.

Condolences on the death of your BIL.

Not to take this off topic but in regards to late calls I could write a book. My father was a undertaker, started his business in the early 1940s. It was extremely common to get a late call, and of course most times it was not good. Someone had lost a family member and no matter the time would call.

That would get my father moving and he would take his case with all sorts of papers and forums and go to the house that called him. Many time when I was older I went with him to the house! Offer up sympathies and do the very necessary paper work. There were cut off times for death notices, getting a cemetery plot and many other things.

Many times at the house it seemed like the whole family was there. As my father was friendly and we lived in sort of a Italian ghetto in lower Albany NY it was very common to know the dearly departed and most of the family. Those were the bad calls and I lived through plenty of them

On the other hand were the "good calls'' AKA crank calls, we got a lot of them. Phone would ring and some drunk or wise kids would say something like Help I just died come get me, laugh loud and hang up. We never got mad at calls like that as no one died.

To this day if the phone rings in the sleep time I hope its just a wrong number or a idiot on the line. A legitimate call at those times is not good. Now with all the tracking those calls hardly come in but before that phone idiots could play games.

When my mother died at the nursing home they called me at 3AM. It was rough but I got the things rolling and waited till 8AM to brake the news to dad in person. Dad of course was next of kin but the home made the right move by contacting me first.
 
Only the doctor;s time and convenience matters, by morning, he would have forgotten your BIL and be too busy trying figure how much cash he could scrape out of others.
 
I thought you were going to say, it was Jake from State Farm.

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Only the doctor;s time and convenience matters, by morning, he would have forgotten your BIL and be too busy trying figure how much cash he could scrape out of others.
What a horrible thing to say. I'm sure that there are some doctors that feel this way, but most of them spend twice as long at school and work long hard hours to help people.
 
The computer can be opened up real easy if you know what you’re doing. That might at least get you some info on his finances. In SC under certain circumstances a probate judge can order access to certain financial info as well. Obviously have no idea about your state
 
I think the problem for the doctor at that point is that some people would want to know immediately and some people would want to be told after breakfast. I don't see how the doctor can know which category the family falls in. Condolences on your loss.
 
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For 25 years it was part of my job to notify NOK after a fatality.

It was policy to notify them immediately. If I couldn't get through, I would contact their local sheriffs office to immediately make the contact.

There is nothing worse than a family learning of a death from an indirect source. Believe me, it can happen. That family will react in an awful manner.

I notified a mother once, of her boys passing. It turned out that the father's mother (grandmother) had actually raised the boy and was his guardian. I failed to read deep enough into his profile. The grandmother found out the next day and scolded me severely.

People deal with death in unusual and sometimes dramatic ways. The reaction is always bad when it is unexpected.

I'm sorry to hear of your BIL's passing.
 
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