I would like to suggest that we send out the life insurance forms and application for survivor benefits when the person calls in to notify us. Now they wait for a month some times.
I would also like to suggest that we eliminate lump sum payments to the deceased person's survivor when all contributions are gone. We are 9 months to a year and most of the time all contributions were paid many times over and may just be a few dollars. SS and other agencies do not pay this out.
Please feel free to contact me if you need more information.